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$61,672
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$63,590
−HK$1,949/mo
Today · 4.125%
HK$65,539
baseline
▲ 0.50% · 4.625%
HK$69,527
+HK$3,988/mo
Deposit HK$13.52M · loan HK$13.52M · min. income ≈ HK$131,078/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,149,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,609
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$70,449
−HK$1,867/mo
Today · 4.125%
HK$72,316
baseline
▲ 0.50% · 4.625%
HK$76,128
+HK$3,812/mo
Deposit HK$13.52M · loan HK$13.52M · min. income ≈ HK$144,632/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,149,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,006
−HK$4,641/mo
▼ 0.25% · 3.875%
HK$76,308
−HK$2,339/mo
Today · 4.125%
HK$78,647
baseline
▲ 0.50% · 4.625%
HK$83,432
+HK$4,785/mo
Deposit HK$10.82M · loan HK$16.23M · min. income ≈ HK$157,294/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,149,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,331
−HK$4,448/mo
▼ 0.25% · 3.875%
HK$84,539
−HK$2,240/mo
Today · 4.125%
HK$86,779
baseline
▲ 0.50% · 4.625%
HK$91,353
+HK$4,574/mo
Deposit HK$10.82M · loan HK$16.23M · min. income ≈ HK$173,558/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,149,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,340
−HK$5,415/mo
▼ 0.25% · 3.875%
HK$89,026
−HK$2,729/mo
Today · 4.125%
HK$91,755
baseline
▲ 0.50% · 4.625%
HK$97,338
+HK$5,583/mo
Deposit HK$8.11M · loan HK$18.93M · min. income ≈ HK$183,510/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,149,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,053
−HK$5,189/mo
▼ 0.25% · 3.875%
HK$98,629
−HK$2,613/mo
Today · 4.125%
HK$101,242
baseline
▲ 0.50% · 4.625%
HK$106,579
+HK$5,337/mo
Deposit HK$8.11M · loan HK$18.93M · min. income ≈ HK$202,484/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,149,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,009
−HK$6,961/mo
▼ 0.25% · 3.875%
HK$114,462
−HK$3,508/mo
Today · 4.125%
HK$117,970
baseline
▲ 0.50% · 4.625%
HK$125,149
+HK$7,179/mo
Deposit HK$2.70M · loan HK$24.34M · min. income ≈ HK$235,940/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,149,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,497
−HK$6,672/mo
▼ 0.25% · 3.875%
HK$126,809
−HK$3,360/mo
Today · 4.125%
HK$130,169
baseline
▲ 0.50% · 4.625%
HK$137,030
+HK$6,861/mo
Deposit HK$2.70M · loan HK$24.34M · min. income ≈ HK$260,338/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,149,454 · Scale 2, in force from 26 Feb 2026)