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$61,459
−HK$3,854/mo
▼ 0.25% · 3.875%
HK$63,370
−HK$1,943/mo
Today · 4.125%
HK$65,313
baseline
▲ 0.50% · 4.625%
HK$69,287
+HK$3,974/mo
Deposit HK$13.48M · loan HK$13.48M · min. income ≈ HK$130,626/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,145,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,372
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$70,206
−HK$1,860/mo
Today · 4.125%
HK$72,066
baseline
▲ 0.50% · 4.625%
HK$75,865
+HK$3,799/mo
Deposit HK$13.48M · loan HK$13.48M · min. income ≈ HK$144,132/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,145,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,750
−HK$4,625/mo
▼ 0.25% · 3.875%
HK$76,044
−HK$2,331/mo
Today · 4.125%
HK$78,375
baseline
▲ 0.50% · 4.625%
HK$83,144
+HK$4,769/mo
Deposit HK$10.78M · loan HK$16.17M · min. income ≈ HK$156,750/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,145,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,047
−HK$4,432/mo
▼ 0.25% · 3.875%
HK$84,247
−HK$2,232/mo
Today · 4.125%
HK$86,479
baseline
▲ 0.50% · 4.625%
HK$91,038
+HK$4,559/mo
Deposit HK$10.78M · loan HK$16.17M · min. income ≈ HK$172,958/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,145,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,042
−HK$5,396/mo
▼ 0.25% · 3.875%
HK$88,718
−HK$2,720/mo
Today · 4.125%
HK$91,438
baseline
▲ 0.50% · 4.625%
HK$97,001
+HK$5,563/mo
Deposit HK$8.09M · loan HK$18.87M · min. income ≈ HK$182,876/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,145,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,721
−HK$5,171/mo
▼ 0.25% · 3.875%
HK$98,288
−HK$2,604/mo
Today · 4.125%
HK$100,892
baseline
▲ 0.50% · 4.625%
HK$106,211
+HK$5,319/mo
Deposit HK$8.09M · loan HK$18.87M · min. income ≈ HK$201,784/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,145,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,626
−HK$6,937/mo
▼ 0.25% · 3.875%
HK$114,067
−HK$3,496/mo
Today · 4.125%
HK$117,563
baseline
▲ 0.50% · 4.625%
HK$124,716
+HK$7,153/mo
Deposit HK$2.70M · loan HK$24.26M · min. income ≈ HK$235,126/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,070
−HK$6,649/mo
▼ 0.25% · 3.875%
HK$126,370
−HK$3,349/mo
Today · 4.125%
HK$129,719
baseline
▲ 0.50% · 4.625%
HK$136,557
+HK$6,838/mo
Deposit HK$2.70M · loan HK$24.26M · min. income ≈ HK$259,438/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,482 · Scale 2, in force from 26 Feb 2026)