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$61,303
−HK$3,844/mo
▼ 0.25% · 3.875%
HK$63,210
−HK$1,937/mo
Today · 4.125%
HK$65,147
baseline
▲ 0.50% · 4.625%
HK$69,111
+HK$3,964/mo
Deposit HK$13.44M · loan HK$13.44M · min. income ≈ HK$130,294/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,142,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,199
−HK$3,684/mo
▼ 0.25% · 3.875%
HK$70,028
−HK$1,855/mo
Today · 4.125%
HK$71,883
baseline
▲ 0.50% · 4.625%
HK$75,672
+HK$3,789/mo
Deposit HK$13.44M · loan HK$13.44M · min. income ≈ HK$143,766/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,142,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,563
−HK$4,613/mo
▼ 0.25% · 3.875%
HK$75,851
−HK$2,325/mo
Today · 4.125%
HK$78,176
baseline
▲ 0.50% · 4.625%
HK$82,933
+HK$4,757/mo
Deposit HK$10.75M · loan HK$16.13M · min. income ≈ HK$156,352/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,142,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,838
−HK$4,422/mo
▼ 0.25% · 3.875%
HK$84,033
−HK$2,227/mo
Today · 4.125%
HK$86,260
baseline
▲ 0.50% · 4.625%
HK$90,807
+HK$4,547/mo
Deposit HK$10.75M · loan HK$16.13M · min. income ≈ HK$172,520/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,142,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,824
−HK$5,382/mo
▼ 0.25% · 3.875%
HK$88,493
−HK$2,713/mo
Today · 4.125%
HK$91,206
baseline
▲ 0.50% · 4.625%
HK$96,755
+HK$5,549/mo
Deposit HK$8.07M · loan HK$18.82M · min. income ≈ HK$182,412/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,142,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,478
−HK$5,158/mo
▼ 0.25% · 3.875%
HK$98,039
−HK$2,597/mo
Today · 4.125%
HK$100,636
baseline
▲ 0.50% · 4.625%
HK$105,941
+HK$5,305/mo
Deposit HK$8.07M · loan HK$18.82M · min. income ≈ HK$201,272/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,142,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,345
−HK$6,919/mo
▼ 0.25% · 3.875%
HK$113,777
−HK$3,487/mo
Today · 4.125%
HK$117,264
baseline
▲ 0.50% · 4.625%
HK$124,400
+HK$7,136/mo
Deposit HK$2.69M · loan HK$24.20M · min. income ≈ HK$234,528/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,757
−HK$6,633/mo
▼ 0.25% · 3.875%
HK$126,050
−HK$3,340/mo
Today · 4.125%
HK$129,390
baseline
▲ 0.50% · 4.625%
HK$136,210
+HK$6,820/mo
Deposit HK$2.69M · loan HK$24.20M · min. income ≈ HK$258,780/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,575 · Scale 2, in force from 26 Feb 2026)