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$61,798
−HK$3,875/mo
▼ 0.25% · 3.875%
HK$63,720
−HK$1,953/mo
Today · 4.125%
HK$65,673
baseline
▲ 0.50% · 4.625%
HK$69,669
+HK$3,996/mo
Deposit HK$13.55M · loan HK$13.55M · min. income ≈ HK$131,346/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,151,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,750
−HK$3,714/mo
▼ 0.25% · 3.875%
HK$70,593
−HK$1,871/mo
Today · 4.125%
HK$72,464
baseline
▲ 0.50% · 4.625%
HK$76,284
+HK$3,820/mo
Deposit HK$13.55M · loan HK$13.55M · min. income ≈ HK$144,928/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,151,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,158
−HK$4,650/mo
▼ 0.25% · 3.875%
HK$76,464
−HK$2,344/mo
Today · 4.125%
HK$78,808
baseline
▲ 0.50% · 4.625%
HK$83,603
+HK$4,795/mo
Deposit HK$10.84M · loan HK$16.26M · min. income ≈ HK$157,616/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,151,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,499
−HK$4,458/mo
▼ 0.25% · 3.875%
HK$84,712
−HK$2,245/mo
Today · 4.125%
HK$86,957
baseline
▲ 0.50% · 4.625%
HK$91,540
+HK$4,583/mo
Deposit HK$10.84M · loan HK$16.26M · min. income ≈ HK$173,914/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,151,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,517
−HK$5,425/mo
▼ 0.25% · 3.875%
HK$89,208
−HK$2,734/mo
Today · 4.125%
HK$91,942
baseline
▲ 0.50% · 4.625%
HK$97,537
+HK$5,595/mo
Deposit HK$8.13M · loan HK$18.97M · min. income ≈ HK$183,884/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,151,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,249
−HK$5,200/mo
▼ 0.25% · 3.875%
HK$98,831
−HK$2,618/mo
Today · 4.125%
HK$101,449
baseline
▲ 0.50% · 4.625%
HK$106,797
+HK$5,348/mo
Deposit HK$8.13M · loan HK$18.97M · min. income ≈ HK$202,898/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,151,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,236
−HK$6,976/mo
▼ 0.25% · 3.875%
HK$114,696
−HK$3,516/mo
Today · 4.125%
HK$118,212
baseline
▲ 0.50% · 4.625%
HK$125,405
+HK$7,193/mo
Deposit HK$2.71M · loan HK$24.39M · min. income ≈ HK$236,424/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,151,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,749
−HK$6,686/mo
▼ 0.25% · 3.875%
HK$127,068
−HK$3,367/mo
Today · 4.125%
HK$130,435
baseline
▲ 0.50% · 4.625%
HK$137,310
+HK$6,875/mo
Deposit HK$2.71M · loan HK$24.39M · min. income ≈ HK$260,870/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,151,806 · Scale 2, in force from 26 Feb 2026)