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$61,686
−HK$3,868/mo
▼ 0.25% · 3.875%
HK$63,605
−HK$1,949/mo
Today · 4.125%
HK$65,554
baseline
▲ 0.50% · 4.625%
HK$69,543
+HK$3,989/mo
Deposit HK$13.53M · loan HK$13.53M · min. income ≈ HK$131,108/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,149,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,625
−HK$3,708/mo
▼ 0.25% · 3.875%
HK$70,466
−HK$1,867/mo
Today · 4.125%
HK$72,333
baseline
▲ 0.50% · 4.625%
HK$76,146
+HK$3,813/mo
Deposit HK$13.53M · loan HK$13.53M · min. income ≈ HK$144,666/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,149,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,023
−HK$4,642/mo
▼ 0.25% · 3.875%
HK$76,326
−HK$2,339/mo
Today · 4.125%
HK$78,665
baseline
▲ 0.50% · 4.625%
HK$83,452
+HK$4,787/mo
Deposit HK$10.82M · loan HK$16.23M · min. income ≈ HK$157,330/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,149,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,350
−HK$4,449/mo
▼ 0.25% · 3.875%
HK$84,559
−HK$2,240/mo
Today · 4.125%
HK$86,799
baseline
▲ 0.50% · 4.625%
HK$91,375
+HK$4,576/mo
Deposit HK$10.82M · loan HK$16.23M · min. income ≈ HK$173,598/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,149,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,361
−HK$5,415/mo
▼ 0.25% · 3.875%
HK$89,047
−HK$2,729/mo
Today · 4.125%
HK$91,776
baseline
▲ 0.50% · 4.625%
HK$97,360
+HK$5,584/mo
Deposit HK$8.12M · loan HK$18.94M · min. income ≈ HK$183,552/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,149,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,075
−HK$5,191/mo
▼ 0.25% · 3.875%
HK$98,652
−HK$2,614/mo
Today · 4.125%
HK$101,266
baseline
▲ 0.50% · 4.625%
HK$106,604
+HK$5,338/mo
Deposit HK$8.12M · loan HK$18.94M · min. income ≈ HK$202,532/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,149,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,035
−HK$6,963/mo
▼ 0.25% · 3.875%
HK$114,489
−HK$3,509/mo
Today · 4.125%
HK$117,998
baseline
▲ 0.50% · 4.625%
HK$125,178
+HK$7,180/mo
Deposit HK$2.71M · loan HK$24.35M · min. income ≈ HK$235,996/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,149,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,525
−HK$6,674/mo
▼ 0.25% · 3.875%
HK$126,838
−HK$3,361/mo
Today · 4.125%
HK$130,199
baseline
▲ 0.50% · 4.625%
HK$137,062
+HK$6,863/mo
Deposit HK$2.71M · loan HK$24.35M · min. income ≈ HK$260,398/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,149,722 · Scale 2, in force from 26 Feb 2026)