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$61,704
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$63,623
−HK$1,950/mo
Today · 4.125%
HK$65,573
baseline
▲ 0.50% · 4.625%
HK$69,563
+HK$3,990/mo
Deposit HK$13.53M · loan HK$13.53M · min. income ≈ HK$131,146/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,150,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,645
−HK$3,708/mo
▼ 0.25% · 3.875%
HK$70,486
−HK$1,867/mo
Today · 4.125%
HK$72,353
baseline
▲ 0.50% · 4.625%
HK$76,167
+HK$3,814/mo
Deposit HK$13.53M · loan HK$13.53M · min. income ≈ HK$144,706/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,150,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,044
−HK$4,644/mo
▼ 0.25% · 3.875%
HK$76,348
−HK$2,340/mo
Today · 4.125%
HK$78,688
baseline
▲ 0.50% · 4.625%
HK$83,476
+HK$4,788/mo
Deposit HK$10.82M · loan HK$16.24M · min. income ≈ HK$157,376/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,150,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,374
−HK$4,450/mo
▼ 0.25% · 3.875%
HK$84,583
−HK$2,241/mo
Today · 4.125%
HK$86,824
baseline
▲ 0.50% · 4.625%
HK$91,401
+HK$4,577/mo
Deposit HK$10.82M · loan HK$16.24M · min. income ≈ HK$173,648/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,150,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,385
−HK$5,417/mo
▼ 0.25% · 3.875%
HK$89,072
−HK$2,730/mo
Today · 4.125%
HK$91,802
baseline
▲ 0.50% · 4.625%
HK$97,388
+HK$5,586/mo
Deposit HK$8.12M · loan HK$18.94M · min. income ≈ HK$183,604/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,150,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,103
−HK$5,192/mo
▼ 0.25% · 3.875%
HK$98,680
−HK$2,615/mo
Today · 4.125%
HK$101,295
baseline
▲ 0.50% · 4.625%
HK$106,634
+HK$5,339/mo
Deposit HK$8.12M · loan HK$18.94M · min. income ≈ HK$202,590/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,150,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,067
−HK$6,965/mo
▼ 0.25% · 3.875%
HK$114,521
−HK$3,511/mo
Today · 4.125%
HK$118,032
baseline
▲ 0.50% · 4.625%
HK$125,213
+HK$7,181/mo
Deposit HK$2.71M · loan HK$24.35M · min. income ≈ HK$236,064/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,561
−HK$6,675/mo
▼ 0.25% · 3.875%
HK$126,874
−HK$3,362/mo
Today · 4.125%
HK$130,236
baseline
▲ 0.50% · 4.625%
HK$137,101
+HK$6,865/mo
Deposit HK$2.71M · loan HK$24.35M · min. income ≈ HK$260,472/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,050 · Scale 2, in force from 26 Feb 2026)