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$61,780
−HK$3,874/mo
▼ 0.25% · 3.875%
HK$63,701
−HK$1,953/mo
Today · 4.125%
HK$65,654
baseline
▲ 0.50% · 4.625%
HK$69,648
+HK$3,994/mo
Deposit HK$13.55M · loan HK$13.55M · min. income ≈ HK$131,308/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,151,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,729
−HK$3,713/mo
▼ 0.25% · 3.875%
HK$70,572
−HK$1,870/mo
Today · 4.125%
HK$72,442
baseline
▲ 0.50% · 4.625%
HK$76,261
+HK$3,819/mo
Deposit HK$13.55M · loan HK$13.55M · min. income ≈ HK$144,884/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,151,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,135
−HK$4,649/mo
▼ 0.25% · 3.875%
HK$76,441
−HK$2,343/mo
Today · 4.125%
HK$78,784
baseline
▲ 0.50% · 4.625%
HK$83,578
+HK$4,794/mo
Deposit HK$10.84M · loan HK$16.26M · min. income ≈ HK$157,568/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,151,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,475
−HK$4,456/mo
▼ 0.25% · 3.875%
HK$84,687
−HK$2,244/mo
Today · 4.125%
HK$86,931
baseline
▲ 0.50% · 4.625%
HK$91,513
+HK$4,582/mo
Deposit HK$10.84M · loan HK$16.26M · min. income ≈ HK$173,862/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,151,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,491
−HK$5,424/mo
▼ 0.25% · 3.875%
HK$89,182
−HK$2,733/mo
Today · 4.125%
HK$91,915
baseline
▲ 0.50% · 4.625%
HK$97,508
+HK$5,593/mo
Deposit HK$8.13M · loan HK$18.97M · min. income ≈ HK$183,830/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,151,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,221
−HK$5,198/mo
▼ 0.25% · 3.875%
HK$98,801
−HK$2,618/mo
Today · 4.125%
HK$101,419
baseline
▲ 0.50% · 4.625%
HK$106,765
+HK$5,346/mo
Deposit HK$8.13M · loan HK$18.97M · min. income ≈ HK$202,838/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,151,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,203
−HK$6,974/mo
▼ 0.25% · 3.875%
HK$114,662
−HK$3,515/mo
Today · 4.125%
HK$118,177
baseline
▲ 0.50% · 4.625%
HK$125,367
+HK$7,190/mo
Deposit HK$2.71M · loan HK$24.38M · min. income ≈ HK$236,354/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,151,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,712
−HK$6,684/mo
▼ 0.25% · 3.875%
HK$127,030
−HK$3,366/mo
Today · 4.125%
HK$130,396
baseline
▲ 0.50% · 4.625%
HK$137,269
+HK$6,873/mo
Deposit HK$2.71M · loan HK$24.38M · min. income ≈ HK$260,792/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,151,463 · Scale 2, in force from 26 Feb 2026)