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$61,412
−HK$3,852/mo
▼ 0.25% · 3.875%
HK$63,323
−HK$1,941/mo
Today · 4.125%
HK$65,264
baseline
▲ 0.50% · 4.625%
HK$69,235
+HK$3,971/mo
Deposit HK$13.47M · loan HK$13.47M · min. income ≈ HK$130,528/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,144,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,321
−HK$3,691/mo
▼ 0.25% · 3.875%
HK$70,153
−HK$1,859/mo
Today · 4.125%
HK$72,012
baseline
▲ 0.50% · 4.625%
HK$75,808
+HK$3,796/mo
Deposit HK$13.47M · loan HK$13.47M · min. income ≈ HK$144,024/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,144,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,695
−HK$4,621/mo
▼ 0.25% · 3.875%
HK$75,987
−HK$2,329/mo
Today · 4.125%
HK$78,316
baseline
▲ 0.50% · 4.625%
HK$83,082
+HK$4,766/mo
Deposit HK$10.77M · loan HK$16.16M · min. income ≈ HK$156,632/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,144,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,985
−HK$4,429/mo
▼ 0.25% · 3.875%
HK$84,184
−HK$2,230/mo
Today · 4.125%
HK$86,414
baseline
▲ 0.50% · 4.625%
HK$90,969
+HK$4,555/mo
Deposit HK$10.77M · loan HK$16.16M · min. income ≈ HK$172,828/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,144,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,977
−HK$5,392/mo
▼ 0.25% · 3.875%
HK$88,652
−HK$2,717/mo
Today · 4.125%
HK$91,369
baseline
▲ 0.50% · 4.625%
HK$96,929
+HK$5,560/mo
Deposit HK$8.08M · loan HK$18.85M · min. income ≈ HK$182,738/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,144,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,649
−HK$5,168/mo
▼ 0.25% · 3.875%
HK$98,214
−HK$2,603/mo
Today · 4.125%
HK$100,817
baseline
▲ 0.50% · 4.625%
HK$106,131
+HK$5,314/mo
Deposit HK$8.08M · loan HK$18.85M · min. income ≈ HK$201,634/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,144,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,542
−HK$6,932/mo
▼ 0.25% · 3.875%
HK$113,981
−HK$3,493/mo
Today · 4.125%
HK$117,474
baseline
▲ 0.50% · 4.625%
HK$124,622
+HK$7,148/mo
Deposit HK$2.69M · loan HK$24.24M · min. income ≈ HK$234,948/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,977
−HK$6,644/mo
▼ 0.25% · 3.875%
HK$126,275
−HK$3,346/mo
Today · 4.125%
HK$129,621
baseline
▲ 0.50% · 4.625%
HK$136,454
+HK$6,833/mo
Deposit HK$2.69M · loan HK$24.24M · min. income ≈ HK$259,242/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,621 · Scale 2, in force from 26 Feb 2026)