The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$61,749
−HK$3,872/mo
▼ 0.25% · 3.875%
HK$63,670
−HK$1,951/mo
Today · 4.125%
HK$65,621
baseline
▲ 0.50% · 4.625%
HK$69,614
+HK$3,993/mo
Deposit HK$13.54M · loan HK$13.54M · min. income ≈ HK$131,242/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,150,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,695
−HK$3,711/mo
▼ 0.25% · 3.875%
HK$70,537
−HK$1,869/mo
Today · 4.125%
HK$72,406
baseline
▲ 0.50% · 4.625%
HK$76,223
+HK$3,817/mo
Deposit HK$13.54M · loan HK$13.54M · min. income ≈ HK$144,812/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,150,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,099
−HK$4,646/mo
▼ 0.25% · 3.875%
HK$76,404
−HK$2,341/mo
Today · 4.125%
HK$78,745
baseline
▲ 0.50% · 4.625%
HK$83,537
+HK$4,792/mo
Deposit HK$10.83M · loan HK$16.25M · min. income ≈ HK$157,490/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,150,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,434
−HK$4,454/mo
▼ 0.25% · 3.875%
HK$84,645
−HK$2,243/mo
Today · 4.125%
HK$86,888
baseline
▲ 0.50% · 4.625%
HK$91,468
+HK$4,580/mo
Deposit HK$10.83M · loan HK$16.25M · min. income ≈ HK$173,776/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,150,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,449
−HK$5,421/mo
▼ 0.25% · 3.875%
HK$89,138
−HK$2,732/mo
Today · 4.125%
HK$91,870
baseline
▲ 0.50% · 4.625%
HK$97,460
+HK$5,590/mo
Deposit HK$8.12M · loan HK$18.96M · min. income ≈ HK$183,740/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,150,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,173
−HK$5,196/mo
▼ 0.25% · 3.875%
HK$98,752
−HK$2,617/mo
Today · 4.125%
HK$101,369
baseline
▲ 0.50% · 4.625%
HK$106,712
+HK$5,343/mo
Deposit HK$8.12M · loan HK$18.96M · min. income ≈ HK$202,738/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,150,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,148
−HK$6,970/mo
▼ 0.25% · 3.875%
HK$114,605
−HK$3,513/mo
Today · 4.125%
HK$118,118
baseline
▲ 0.50% · 4.625%
HK$125,305
+HK$7,187/mo
Deposit HK$2.71M · loan HK$24.37M · min. income ≈ HK$236,236/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,651
−HK$6,681/mo
▼ 0.25% · 3.875%
HK$126,967
−HK$3,365/mo
Today · 4.125%
HK$130,332
baseline
▲ 0.50% · 4.625%
HK$137,202
+HK$6,870/mo
Deposit HK$2.71M · loan HK$24.37M · min. income ≈ HK$260,664/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,894 · Scale 2, in force from 26 Feb 2026)