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$61,625
−HK$3,865/mo
▼ 0.25% · 3.875%
HK$63,542
−HK$1,948/mo
Today · 4.125%
HK$65,490
baseline
▲ 0.50% · 4.625%
HK$69,475
+HK$3,985/mo
Deposit HK$13.51M · loan HK$13.51M · min. income ≈ HK$130,980/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,148,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,558
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$70,396
−HK$1,866/mo
Today · 4.125%
HK$72,262
baseline
▲ 0.50% · 4.625%
HK$76,071
+HK$3,809/mo
Deposit HK$13.51M · loan HK$13.51M · min. income ≈ HK$144,524/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,148,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,951
−HK$4,637/mo
▼ 0.25% · 3.875%
HK$76,251
−HK$2,337/mo
Today · 4.125%
HK$78,588
baseline
▲ 0.50% · 4.625%
HK$83,370
+HK$4,782/mo
Deposit HK$10.81M · loan HK$16.22M · min. income ≈ HK$157,176/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,148,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,269
−HK$4,445/mo
▼ 0.25% · 3.875%
HK$84,476
−HK$2,238/mo
Today · 4.125%
HK$86,714
baseline
▲ 0.50% · 4.625%
HK$91,285
+HK$4,571/mo
Deposit HK$10.81M · loan HK$16.22M · min. income ≈ HK$173,428/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,148,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,276
−HK$5,410/mo
▼ 0.25% · 3.875%
HK$88,959
−HK$2,727/mo
Today · 4.125%
HK$91,686
baseline
▲ 0.50% · 4.625%
HK$97,265
+HK$5,579/mo
Deposit HK$8.11M · loan HK$18.92M · min. income ≈ HK$183,372/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,148,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,981
−HK$5,185/mo
▼ 0.25% · 3.875%
HK$98,555
−HK$2,611/mo
Today · 4.125%
HK$101,166
baseline
▲ 0.50% · 4.625%
HK$106,499
+HK$5,333/mo
Deposit HK$8.11M · loan HK$18.92M · min. income ≈ HK$202,332/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,148,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,926
−HK$6,956/mo
▼ 0.25% · 3.875%
HK$114,376
−HK$3,506/mo
Today · 4.125%
HK$117,882
baseline
▲ 0.50% · 4.625%
HK$125,055
+HK$7,173/mo
Deposit HK$2.70M · loan HK$24.32M · min. income ≈ HK$235,764/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,404
−HK$6,667/mo
▼ 0.25% · 3.875%
HK$126,714
−HK$3,357/mo
Today · 4.125%
HK$130,071
baseline
▲ 0.50% · 4.625%
HK$136,927
+HK$6,856/mo
Deposit HK$2.70M · loan HK$24.32M · min. income ≈ HK$260,142/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,592 · Scale 2, in force from 26 Feb 2026)