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$61,592
−HK$3,862/mo
▼ 0.25% · 3.875%
HK$63,508
−HK$1,946/mo
Today · 4.125%
HK$65,454
baseline
▲ 0.50% · 4.625%
HK$69,437
+HK$3,983/mo
Deposit HK$13.51M · loan HK$13.51M · min. income ≈ HK$130,908/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,147,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,520
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$70,358
−HK$1,864/mo
Today · 4.125%
HK$72,222
baseline
▲ 0.50% · 4.625%
HK$76,029
+HK$3,807/mo
Deposit HK$13.51M · loan HK$13.51M · min. income ≈ HK$144,444/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,147,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,910
−HK$4,635/mo
▼ 0.25% · 3.875%
HK$76,209
−HK$2,336/mo
Today · 4.125%
HK$78,545
baseline
▲ 0.50% · 4.625%
HK$83,324
+HK$4,779/mo
Deposit HK$10.80M · loan HK$16.21M · min. income ≈ HK$157,090/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,147,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,225
−HK$4,442/mo
▼ 0.25% · 3.875%
HK$84,430
−HK$2,237/mo
Today · 4.125%
HK$86,667
baseline
▲ 0.50% · 4.625%
HK$91,235
+HK$4,568/mo
Deposit HK$10.80M · loan HK$16.21M · min. income ≈ HK$173,334/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,147,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,229
−HK$5,407/mo
▼ 0.25% · 3.875%
HK$88,911
−HK$2,725/mo
Today · 4.125%
HK$91,636
baseline
▲ 0.50% · 4.625%
HK$97,212
+HK$5,576/mo
Deposit HK$8.10M · loan HK$18.91M · min. income ≈ HK$183,272/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,147,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,929
−HK$5,182/mo
▼ 0.25% · 3.875%
HK$98,501
−HK$2,610/mo
Today · 4.125%
HK$101,111
baseline
▲ 0.50% · 4.625%
HK$106,441
+HK$5,330/mo
Deposit HK$8.10M · loan HK$18.91M · min. income ≈ HK$202,222/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,147,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,866
−HK$6,952/mo
▼ 0.25% · 3.875%
HK$114,314
−HK$3,504/mo
Today · 4.125%
HK$117,818
baseline
▲ 0.50% · 4.625%
HK$124,987
+HK$7,169/mo
Deposit HK$2.70M · loan HK$24.31M · min. income ≈ HK$235,636/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,147,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,337
−HK$6,663/mo
▼ 0.25% · 3.875%
HK$126,645
−HK$3,355/mo
Today · 4.125%
HK$130,000
baseline
▲ 0.50% · 4.625%
HK$136,853
+HK$6,853/mo
Deposit HK$2.70M · loan HK$24.31M · min. income ≈ HK$260,000/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,147,967 · Scale 2, in force from 26 Feb 2026)