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$61,370
−HK$3,849/mo
▼ 0.25% · 3.875%
HK$63,279
−HK$1,940/mo
Today · 4.125%
HK$65,219
baseline
▲ 0.50% · 4.625%
HK$69,187
+HK$3,968/mo
Deposit HK$13.46M · loan HK$13.46M · min. income ≈ HK$130,438/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,143,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,274
−HK$3,688/mo
▼ 0.25% · 3.875%
HK$70,105
−HK$1,857/mo
Today · 4.125%
HK$71,962
baseline
▲ 0.50% · 4.625%
HK$75,756
+HK$3,794/mo
Deposit HK$13.46M · loan HK$13.46M · min. income ≈ HK$143,924/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,143,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,644
−HK$4,618/mo
▼ 0.25% · 3.875%
HK$75,935
−HK$2,327/mo
Today · 4.125%
HK$78,262
baseline
▲ 0.50% · 4.625%
HK$83,024
+HK$4,762/mo
Deposit HK$10.77M · loan HK$16.15M · min. income ≈ HK$156,524/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,143,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,928
−HK$4,427/mo
▼ 0.25% · 3.875%
HK$84,126
−HK$2,229/mo
Today · 4.125%
HK$86,355
baseline
▲ 0.50% · 4.625%
HK$90,907
+HK$4,552/mo
Deposit HK$10.77M · loan HK$16.15M · min. income ≈ HK$172,710/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,143,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,918
−HK$5,388/mo
▼ 0.25% · 3.875%
HK$88,591
−HK$2,715/mo
Today · 4.125%
HK$91,306
baseline
▲ 0.50% · 4.625%
HK$96,862
+HK$5,556/mo
Deposit HK$8.07M · loan HK$18.84M · min. income ≈ HK$182,612/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,143,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,583
−HK$5,164/mo
▼ 0.25% · 3.875%
HK$98,147
−HK$2,600/mo
Today · 4.125%
HK$100,747
baseline
▲ 0.50% · 4.625%
HK$106,058
+HK$5,311/mo
Deposit HK$8.07M · loan HK$18.84M · min. income ≈ HK$201,494/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,143,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,466
−HK$6,928/mo
▼ 0.25% · 3.875%
HK$113,902
−HK$3,492/mo
Today · 4.125%
HK$117,394
baseline
▲ 0.50% · 4.625%
HK$124,537
+HK$7,143/mo
Deposit HK$2.69M · loan HK$24.22M · min. income ≈ HK$234,788/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,143,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,893
−HK$6,639/mo
▼ 0.25% · 3.875%
HK$126,189
−HK$3,343/mo
Today · 4.125%
HK$129,532
baseline
▲ 0.50% · 4.625%
HK$136,360
+HK$6,828/mo
Deposit HK$2.69M · loan HK$24.22M · min. income ≈ HK$259,064/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,143,834 · Scale 2, in force from 26 Feb 2026)