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$61,306
−HK$3,845/mo
▼ 0.25% · 3.875%
HK$63,213
−HK$1,938/mo
Today · 4.125%
HK$65,151
baseline
▲ 0.50% · 4.625%
HK$69,115
+HK$3,964/mo
Deposit HK$13.44M · loan HK$13.44M · min. income ≈ HK$130,302/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,142,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,203
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$70,032
−HK$1,856/mo
Today · 4.125%
HK$71,888
baseline
▲ 0.50% · 4.625%
HK$75,677
+HK$3,789/mo
Deposit HK$13.44M · loan HK$13.44M · min. income ≈ HK$143,776/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,142,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,568
−HK$4,613/mo
▼ 0.25% · 3.875%
HK$75,856
−HK$2,325/mo
Today · 4.125%
HK$78,181
baseline
▲ 0.50% · 4.625%
HK$82,938
+HK$4,757/mo
Deposit HK$10.75M · loan HK$16.13M · min. income ≈ HK$156,362/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,142,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,843
−HK$4,422/mo
▼ 0.25% · 3.875%
HK$84,038
−HK$2,227/mo
Today · 4.125%
HK$86,265
baseline
▲ 0.50% · 4.625%
HK$90,812
+HK$4,547/mo
Deposit HK$10.75M · loan HK$16.13M · min. income ≈ HK$172,530/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,142,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,829
−HK$5,382/mo
▼ 0.25% · 3.875%
HK$88,499
−HK$2,712/mo
Today · 4.125%
HK$91,211
baseline
▲ 0.50% · 4.625%
HK$96,761
+HK$5,550/mo
Deposit HK$8.07M · loan HK$18.82M · min. income ≈ HK$182,422/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,142,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,484
−HK$5,159/mo
▼ 0.25% · 3.875%
HK$98,045
−HK$2,598/mo
Today · 4.125%
HK$100,643
baseline
▲ 0.50% · 4.625%
HK$105,948
+HK$5,305/mo
Deposit HK$8.07M · loan HK$18.82M · min. income ≈ HK$201,286/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,142,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,352
−HK$6,920/mo
▼ 0.25% · 3.875%
HK$113,784
−HK$3,488/mo
Today · 4.125%
HK$117,272
baseline
▲ 0.50% · 4.625%
HK$124,407
+HK$7,135/mo
Deposit HK$2.69M · loan HK$24.20M · min. income ≈ HK$234,544/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,765
−HK$6,633/mo
▼ 0.25% · 3.875%
HK$126,057
−HK$3,341/mo
Today · 4.125%
HK$129,398
baseline
▲ 0.50% · 4.625%
HK$136,218
+HK$6,820/mo
Deposit HK$2.69M · loan HK$24.20M · min. income ≈ HK$258,796/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,645 · Scale 2, in force from 26 Feb 2026)