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$61,508
−HK$3,857/mo
▼ 0.25% · 3.875%
HK$63,421
−HK$1,944/mo
Today · 4.125%
HK$65,365
baseline
▲ 0.50% · 4.625%
HK$69,343
+HK$3,978/mo
Deposit HK$13.49M · loan HK$13.49M · min. income ≈ HK$130,730/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,146,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,427
−HK$3,697/mo
▼ 0.25% · 3.875%
HK$70,262
−HK$1,862/mo
Today · 4.125%
HK$72,124
baseline
▲ 0.50% · 4.625%
HK$75,926
+HK$3,802/mo
Deposit HK$13.49M · loan HK$13.49M · min. income ≈ HK$144,248/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,146,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,810
−HK$4,628/mo
▼ 0.25% · 3.875%
HK$76,106
−HK$2,332/mo
Today · 4.125%
HK$78,438
baseline
▲ 0.50% · 4.625%
HK$83,211
+HK$4,773/mo
Deposit HK$10.79M · loan HK$16.18M · min. income ≈ HK$156,876/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,146,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,113
−HK$4,436/mo
▼ 0.25% · 3.875%
HK$84,315
−HK$2,234/mo
Today · 4.125%
HK$86,549
baseline
▲ 0.50% · 4.625%
HK$91,111
+HK$4,562/mo
Deposit HK$10.79M · loan HK$16.18M · min. income ≈ HK$173,098/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,146,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,111
−HK$5,400/mo
▼ 0.25% · 3.875%
HK$88,790
−HK$2,721/mo
Today · 4.125%
HK$91,511
baseline
▲ 0.50% · 4.625%
HK$97,080
+HK$5,569/mo
Deposit HK$8.09M · loan HK$18.88M · min. income ≈ HK$183,022/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,146,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,798
−HK$5,176/mo
▼ 0.25% · 3.875%
HK$98,367
−HK$2,607/mo
Today · 4.125%
HK$100,974
baseline
▲ 0.50% · 4.625%
HK$106,296
+HK$5,322/mo
Deposit HK$8.09M · loan HK$18.88M · min. income ≈ HK$201,948/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,146,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,715
−HK$6,942/mo
▼ 0.25% · 3.875%
HK$114,159
−HK$3,498/mo
Today · 4.125%
HK$117,657
baseline
▲ 0.50% · 4.625%
HK$124,817
+HK$7,160/mo
Deposit HK$2.70M · loan HK$24.28M · min. income ≈ HK$235,314/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,146,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,169
−HK$6,654/mo
▼ 0.25% · 3.875%
HK$126,472
−HK$3,351/mo
Today · 4.125%
HK$129,823
baseline
▲ 0.50% · 4.625%
HK$136,667
+HK$6,844/mo
Deposit HK$2.70M · loan HK$24.28M · min. income ≈ HK$259,646/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,146,405 · Scale 2, in force from 26 Feb 2026)