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$61,642
−HK$3,866/mo
▼ 0.25% · 3.875%
HK$63,560
−HK$1,948/mo
Today · 4.125%
HK$65,508
baseline
▲ 0.50% · 4.625%
HK$69,494
+HK$3,986/mo
Deposit HK$13.52M · loan HK$13.52M · min. income ≈ HK$131,016/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,148,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,576
−HK$3,705/mo
▼ 0.25% · 3.875%
HK$70,416
−HK$1,865/mo
Today · 4.125%
HK$72,281
baseline
▲ 0.50% · 4.625%
HK$76,091
+HK$3,810/mo
Deposit HK$13.52M · loan HK$13.52M · min. income ≈ HK$144,562/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,148,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,971
−HK$4,638/mo
▼ 0.25% · 3.875%
HK$76,272
−HK$2,337/mo
Today · 4.125%
HK$78,609
baseline
▲ 0.50% · 4.625%
HK$83,393
+HK$4,784/mo
Deposit HK$10.81M · loan HK$16.22M · min. income ≈ HK$157,218/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,148,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,292
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$84,499
−HK$2,239/mo
Today · 4.125%
HK$86,738
baseline
▲ 0.50% · 4.625%
HK$91,310
+HK$4,572/mo
Deposit HK$10.81M · loan HK$16.22M · min. income ≈ HK$173,476/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,148,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,299
−HK$5,412/mo
▼ 0.25% · 3.875%
HK$88,984
−HK$2,727/mo
Today · 4.125%
HK$91,711
baseline
▲ 0.50% · 4.625%
HK$97,291
+HK$5,580/mo
Deposit HK$8.11M · loan HK$18.92M · min. income ≈ HK$183,422/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,148,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,007
−HK$5,187/mo
▼ 0.25% · 3.875%
HK$98,582
−HK$2,612/mo
Today · 4.125%
HK$101,194
baseline
▲ 0.50% · 4.625%
HK$106,528
+HK$5,334/mo
Deposit HK$8.11M · loan HK$18.92M · min. income ≈ HK$202,388/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,148,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,956
−HK$6,958/mo
▼ 0.25% · 3.875%
HK$114,407
−HK$3,507/mo
Today · 4.125%
HK$117,914
baseline
▲ 0.50% · 4.625%
HK$125,089
+HK$7,175/mo
Deposit HK$2.70M · loan HK$24.33M · min. income ≈ HK$235,828/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,438
−HK$6,668/mo
▼ 0.25% · 3.875%
HK$126,748
−HK$3,358/mo
Today · 4.125%
HK$130,106
baseline
▲ 0.50% · 4.625%
HK$136,965
+HK$6,859/mo
Deposit HK$2.70M · loan HK$24.33M · min. income ≈ HK$260,212/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,905 · Scale 2, in force from 26 Feb 2026)