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$61,707
−HK$3,870/mo
▼ 0.25% · 3.875%
HK$63,627
−HK$1,950/mo
Today · 4.125%
HK$65,577
baseline
▲ 0.50% · 4.625%
HK$69,567
+HK$3,990/mo
Deposit HK$13.53M · loan HK$13.53M · min. income ≈ HK$131,154/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,150,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,649
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$70,490
−HK$1,868/mo
Today · 4.125%
HK$72,358
baseline
▲ 0.50% · 4.625%
HK$76,172
+HK$3,814/mo
Deposit HK$13.53M · loan HK$13.53M · min. income ≈ HK$144,716/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,150,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,049
−HK$4,643/mo
▼ 0.25% · 3.875%
HK$76,352
−HK$2,340/mo
Today · 4.125%
HK$78,692
baseline
▲ 0.50% · 4.625%
HK$83,481
+HK$4,789/mo
Deposit HK$10.82M · loan HK$16.24M · min. income ≈ HK$157,384/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,150,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,379
−HK$4,450/mo
▼ 0.25% · 3.875%
HK$84,588
−HK$2,241/mo
Today · 4.125%
HK$86,829
baseline
▲ 0.50% · 4.625%
HK$91,406
+HK$4,577/mo
Deposit HK$10.82M · loan HK$16.24M · min. income ≈ HK$173,658/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,150,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,390
−HK$5,418/mo
▼ 0.25% · 3.875%
HK$89,078
−HK$2,730/mo
Today · 4.125%
HK$91,808
baseline
▲ 0.50% · 4.625%
HK$97,394
+HK$5,586/mo
Deposit HK$8.12M · loan HK$18.94M · min. income ≈ HK$183,616/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,150,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,109
−HK$5,192/mo
▼ 0.25% · 3.875%
HK$98,686
−HK$2,615/mo
Today · 4.125%
HK$101,301
baseline
▲ 0.50% · 4.625%
HK$106,641
+HK$5,340/mo
Deposit HK$8.12M · loan HK$18.94M · min. income ≈ HK$202,602/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,150,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,073
−HK$6,966/mo
▼ 0.25% · 3.875%
HK$114,528
−HK$3,511/mo
Today · 4.125%
HK$118,039
baseline
▲ 0.50% · 4.625%
HK$125,221
+HK$7,182/mo
Deposit HK$2.71M · loan HK$24.36M · min. income ≈ HK$236,078/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,568
−HK$6,676/mo
▼ 0.25% · 3.875%
HK$126,882
−HK$3,362/mo
Today · 4.125%
HK$130,244
baseline
▲ 0.50% · 4.625%
HK$137,109
+HK$6,865/mo
Deposit HK$2.71M · loan HK$24.36M · min. income ≈ HK$260,488/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,120 · Scale 2, in force from 26 Feb 2026)