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$61,079
−HK$3,830/mo
▼ 0.25% · 3.875%
HK$62,979
−HK$1,930/mo
Today · 4.125%
HK$64,909
baseline
▲ 0.50% · 4.625%
HK$68,859
+HK$3,950/mo
Deposit HK$13.39M · loan HK$13.39M · min. income ≈ HK$129,818/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,138,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,950
−HK$3,671/mo
▼ 0.25% · 3.875%
HK$69,772
−HK$1,849/mo
Today · 4.125%
HK$71,621
baseline
▲ 0.50% · 4.625%
HK$75,396
+HK$3,775/mo
Deposit HK$13.39M · loan HK$13.39M · min. income ≈ HK$143,242/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,138,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,295
−HK$4,596/mo
▼ 0.25% · 3.875%
HK$75,575
−HK$2,316/mo
Today · 4.125%
HK$77,891
baseline
▲ 0.50% · 4.625%
HK$82,630
+HK$4,739/mo
Deposit HK$10.71M · loan HK$16.07M · min. income ≈ HK$155,782/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,138,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,540
−HK$4,405/mo
▼ 0.25% · 3.875%
HK$83,726
−HK$2,219/mo
Today · 4.125%
HK$85,945
baseline
▲ 0.50% · 4.625%
HK$90,475
+HK$4,530/mo
Deposit HK$10.71M · loan HK$16.07M · min. income ≈ HK$171,890/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,138,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,510
−HK$5,363/mo
▼ 0.25% · 3.875%
HK$88,170
−HK$2,703/mo
Today · 4.125%
HK$90,873
baseline
▲ 0.50% · 4.625%
HK$96,402
+HK$5,529/mo
Deposit HK$8.04M · loan HK$18.75M · min. income ≈ HK$181,746/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,138,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,129
−HK$5,140/mo
▼ 0.25% · 3.875%
HK$97,681
−HK$2,588/mo
Today · 4.125%
HK$100,269
baseline
▲ 0.50% · 4.625%
HK$105,554
+HK$5,285/mo
Deposit HK$8.04M · loan HK$18.75M · min. income ≈ HK$200,538/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,138,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,942
−HK$6,894/mo
▼ 0.25% · 3.875%
HK$113,362
−HK$3,474/mo
Today · 4.125%
HK$116,836
baseline
▲ 0.50% · 4.625%
HK$123,946
+HK$7,110/mo
Deposit HK$2.68M · loan HK$24.11M · min. income ≈ HK$233,672/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,309
−HK$6,608/mo
▼ 0.25% · 3.875%
HK$125,590
−HK$3,327/mo
Today · 4.125%
HK$128,917
baseline
▲ 0.50% · 4.625%
HK$135,713
+HK$6,796/mo
Deposit HK$2.68M · loan HK$24.11M · min. income ≈ HK$257,834/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,404 · Scale 2, in force from 26 Feb 2026)