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$61,620
−HK$3,864/mo
▼ 0.25% · 3.875%
HK$63,537
−HK$1,947/mo
Today · 4.125%
HK$65,484
baseline
▲ 0.50% · 4.625%
HK$69,469
+HK$3,985/mo
Deposit HK$13.51M · loan HK$13.51M · min. income ≈ HK$130,968/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,148,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,552
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$70,390
−HK$1,865/mo
Today · 4.125%
HK$72,255
baseline
▲ 0.50% · 4.625%
HK$76,064
+HK$3,809/mo
Deposit HK$13.51M · loan HK$13.51M · min. income ≈ HK$144,510/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,148,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,944
−HK$4,637/mo
▼ 0.25% · 3.875%
HK$76,244
−HK$2,337/mo
Today · 4.125%
HK$78,581
baseline
▲ 0.50% · 4.625%
HK$83,362
+HK$4,781/mo
Deposit HK$10.81M · loan HK$16.21M · min. income ≈ HK$157,162/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,148,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,262
−HK$4,444/mo
▼ 0.25% · 3.875%
HK$84,468
−HK$2,238/mo
Today · 4.125%
HK$86,706
baseline
▲ 0.50% · 4.625%
HK$91,277
+HK$4,571/mo
Deposit HK$10.81M · loan HK$16.21M · min. income ≈ HK$173,412/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,148,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,268
−HK$5,410/mo
▼ 0.25% · 3.875%
HK$88,951
−HK$2,727/mo
Today · 4.125%
HK$91,678
baseline
▲ 0.50% · 4.625%
HK$97,256
+HK$5,578/mo
Deposit HK$8.11M · loan HK$18.92M · min. income ≈ HK$183,356/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,148,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,972
−HK$5,185/mo
▼ 0.25% · 3.875%
HK$98,546
−HK$2,611/mo
Today · 4.125%
HK$101,157
baseline
▲ 0.50% · 4.625%
HK$106,489
+HK$5,332/mo
Deposit HK$8.11M · loan HK$18.92M · min. income ≈ HK$202,314/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,148,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,916
−HK$6,955/mo
▼ 0.25% · 3.875%
HK$114,366
−HK$3,505/mo
Today · 4.125%
HK$117,871
baseline
▲ 0.50% · 4.625%
HK$125,044
+HK$7,173/mo
Deposit HK$2.70M · loan HK$24.32M · min. income ≈ HK$235,742/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,393
−HK$6,666/mo
▼ 0.25% · 3.875%
HK$126,702
−HK$3,357/mo
Today · 4.125%
HK$130,059
baseline
▲ 0.50% · 4.625%
HK$136,915
+HK$6,856/mo
Deposit HK$2.70M · loan HK$24.32M · min. income ≈ HK$260,118/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,489 · Scale 2, in force from 26 Feb 2026)