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$61,748
−HK$3,872/mo
▼ 0.25% · 3.875%
HK$63,669
−HK$1,951/mo
Today · 4.125%
HK$65,620
baseline
▲ 0.50% · 4.625%
HK$69,613
+HK$3,993/mo
Deposit HK$13.54M · loan HK$13.54M · min. income ≈ HK$131,240/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,150,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,694
−HK$3,711/mo
▼ 0.25% · 3.875%
HK$70,536
−HK$1,869/mo
Today · 4.125%
HK$72,405
baseline
▲ 0.50% · 4.625%
HK$76,222
+HK$3,817/mo
Deposit HK$13.54M · loan HK$13.54M · min. income ≈ HK$144,810/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,150,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,097
−HK$4,647/mo
▼ 0.25% · 3.875%
HK$76,402
−HK$2,342/mo
Today · 4.125%
HK$78,744
baseline
▲ 0.50% · 4.625%
HK$83,535
+HK$4,791/mo
Deposit HK$10.83M · loan HK$16.25M · min. income ≈ HK$157,488/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,150,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,433
−HK$4,453/mo
▼ 0.25% · 3.875%
HK$84,643
−HK$2,243/mo
Today · 4.125%
HK$86,886
baseline
▲ 0.50% · 4.625%
HK$91,466
+HK$4,580/mo
Deposit HK$10.83M · loan HK$16.25M · min. income ≈ HK$173,772/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,150,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,447
−HK$5,421/mo
▼ 0.25% · 3.875%
HK$89,136
−HK$2,732/mo
Today · 4.125%
HK$91,868
baseline
▲ 0.50% · 4.625%
HK$97,458
+HK$5,590/mo
Deposit HK$8.12M · loan HK$18.96M · min. income ≈ HK$183,736/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,150,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,171
−HK$5,196/mo
▼ 0.25% · 3.875%
HK$98,751
−HK$2,616/mo
Today · 4.125%
HK$101,367
baseline
▲ 0.50% · 4.625%
HK$106,711
+HK$5,344/mo
Deposit HK$8.12M · loan HK$18.96M · min. income ≈ HK$202,734/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,150,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,146
−HK$6,970/mo
▼ 0.25% · 3.875%
HK$114,603
−HK$3,513/mo
Today · 4.125%
HK$118,116
baseline
▲ 0.50% · 4.625%
HK$125,303
+HK$7,187/mo
Deposit HK$2.71M · loan HK$24.37M · min. income ≈ HK$236,232/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,649
−HK$6,680/mo
▼ 0.25% · 3.875%
HK$126,965
−HK$3,364/mo
Today · 4.125%
HK$130,329
baseline
▲ 0.50% · 4.625%
HK$137,199
+HK$6,870/mo
Deposit HK$2.71M · loan HK$24.37M · min. income ≈ HK$260,658/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,873 · Scale 2, in force from 26 Feb 2026)