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$61,812
−HK$3,876/mo
▼ 0.25% · 3.875%
HK$63,734
−HK$1,954/mo
Today · 4.125%
HK$65,688
baseline
▲ 0.50% · 4.625%
HK$69,685
+HK$3,997/mo
Deposit HK$13.55M · loan HK$13.55M · min. income ≈ HK$131,376/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,152,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,765
−HK$3,715/mo
▼ 0.25% · 3.875%
HK$70,609
−HK$1,871/mo
Today · 4.125%
HK$72,480
baseline
▲ 0.50% · 4.625%
HK$76,301
+HK$3,821/mo
Deposit HK$13.55M · loan HK$13.55M · min. income ≈ HK$144,960/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,152,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,174
−HK$4,651/mo
▼ 0.25% · 3.875%
HK$76,481
−HK$2,344/mo
Today · 4.125%
HK$78,825
baseline
▲ 0.50% · 4.625%
HK$83,622
+HK$4,797/mo
Deposit HK$10.84M · loan HK$16.26M · min. income ≈ HK$157,650/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,152,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,518
−HK$4,458/mo
▼ 0.25% · 3.875%
HK$84,731
−HK$2,245/mo
Today · 4.125%
HK$86,976
baseline
▲ 0.50% · 4.625%
HK$91,561
+HK$4,585/mo
Deposit HK$10.84M · loan HK$16.26M · min. income ≈ HK$173,952/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,152,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,536
−HK$5,427/mo
▼ 0.25% · 3.875%
HK$89,228
−HK$2,735/mo
Today · 4.125%
HK$91,963
baseline
▲ 0.50% · 4.625%
HK$97,559
+HK$5,596/mo
Deposit HK$8.13M · loan HK$18.98M · min. income ≈ HK$183,926/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,152,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,271
−HK$5,201/mo
▼ 0.25% · 3.875%
HK$98,853
−HK$2,619/mo
Today · 4.125%
HK$101,472
baseline
▲ 0.50% · 4.625%
HK$106,821
+HK$5,349/mo
Deposit HK$8.13M · loan HK$18.98M · min. income ≈ HK$202,944/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,152,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,261
−HK$6,977/mo
▼ 0.25% · 3.875%
HK$114,722
−HK$3,516/mo
Today · 4.125%
HK$118,238
baseline
▲ 0.50% · 4.625%
HK$125,433
+HK$7,195/mo
Deposit HK$2.71M · loan HK$24.40M · min. income ≈ HK$236,476/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,152,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,777
−HK$6,687/mo
▼ 0.25% · 3.875%
HK$127,096
−HK$3,368/mo
Today · 4.125%
HK$130,464
baseline
▲ 0.50% · 4.625%
HK$137,341
+HK$6,877/mo
Deposit HK$2.71M · loan HK$24.40M · min. income ≈ HK$260,928/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,152,063 · Scale 2, in force from 26 Feb 2026)