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$61,490
−HK$3,856/mo
▼ 0.25% · 3.875%
HK$63,403
−HK$1,943/mo
Today · 4.125%
HK$65,346
baseline
▲ 0.50% · 4.625%
HK$69,322
+HK$3,976/mo
Deposit HK$13.48M · loan HK$13.48M · min. income ≈ HK$130,692/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,146,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,407
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$70,242
−HK$1,861/mo
Today · 4.125%
HK$72,103
baseline
▲ 0.50% · 4.625%
HK$75,904
+HK$3,801/mo
Deposit HK$13.48M · loan HK$13.48M · min. income ≈ HK$144,206/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,146,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,788
−HK$4,627/mo
▼ 0.25% · 3.875%
HK$76,083
−HK$2,332/mo
Today · 4.125%
HK$78,415
baseline
▲ 0.50% · 4.625%
HK$83,187
+HK$4,772/mo
Deposit HK$10.79M · loan HK$16.18M · min. income ≈ HK$156,830/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,146,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,089
−HK$4,435/mo
▼ 0.25% · 3.875%
HK$84,290
−HK$2,234/mo
Today · 4.125%
HK$86,524
baseline
▲ 0.50% · 4.625%
HK$91,084
+HK$4,560/mo
Deposit HK$10.79M · loan HK$16.18M · min. income ≈ HK$173,048/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,146,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,086
−HK$5,399/mo
▼ 0.25% · 3.875%
HK$88,764
−HK$2,721/mo
Today · 4.125%
HK$91,485
baseline
▲ 0.50% · 4.625%
HK$97,051
+HK$5,566/mo
Deposit HK$8.09M · loan HK$18.88M · min. income ≈ HK$182,970/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,146,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,770
−HK$5,174/mo
▼ 0.25% · 3.875%
HK$98,339
−HK$2,605/mo
Today · 4.125%
HK$100,944
baseline
▲ 0.50% · 4.625%
HK$106,265
+HK$5,321/mo
Deposit HK$8.09M · loan HK$18.88M · min. income ≈ HK$201,888/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,146,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,682
−HK$6,941/mo
▼ 0.25% · 3.875%
HK$114,125
−HK$3,498/mo
Today · 4.125%
HK$117,623
baseline
▲ 0.50% · 4.625%
HK$124,780
+HK$7,157/mo
Deposit HK$2.70M · loan HK$24.27M · min. income ≈ HK$235,246/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,146,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,133
−HK$6,652/mo
▼ 0.25% · 3.875%
HK$126,435
−HK$3,350/mo
Today · 4.125%
HK$129,785
baseline
▲ 0.50% · 4.625%
HK$136,627
+HK$6,842/mo
Deposit HK$2.70M · loan HK$24.27M · min. income ≈ HK$259,570/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,146,069 · Scale 2, in force from 26 Feb 2026)