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$61,734
−HK$3,871/mo
▼ 0.25% · 3.875%
HK$63,654
−HK$1,951/mo
Today · 4.125%
HK$65,605
baseline
▲ 0.50% · 4.625%
HK$69,597
+HK$3,992/mo
Deposit HK$13.54M · loan HK$13.54M · min. income ≈ HK$131,210/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,150,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,679
−HK$3,710/mo
▼ 0.25% · 3.875%
HK$70,521
−HK$1,868/mo
Today · 4.125%
HK$72,389
baseline
▲ 0.50% · 4.625%
HK$76,205
+HK$3,816/mo
Deposit HK$13.54M · loan HK$13.54M · min. income ≈ HK$144,778/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,150,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,081
−HK$4,646/mo
▼ 0.25% · 3.875%
HK$76,385
−HK$2,342/mo
Today · 4.125%
HK$78,727
baseline
▲ 0.50% · 4.625%
HK$83,517
+HK$4,790/mo
Deposit HK$10.83M · loan HK$16.24M · min. income ≈ HK$157,454/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,150,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,414
−HK$4,453/mo
▼ 0.25% · 3.875%
HK$84,625
−HK$2,242/mo
Today · 4.125%
HK$86,867
baseline
▲ 0.50% · 4.625%
HK$91,446
+HK$4,579/mo
Deposit HK$10.83M · loan HK$16.24M · min. income ≈ HK$173,734/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,150,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,428
−HK$5,420/mo
▼ 0.25% · 3.875%
HK$89,116
−HK$2,732/mo
Today · 4.125%
HK$91,848
baseline
▲ 0.50% · 4.625%
HK$97,436
+HK$5,588/mo
Deposit HK$8.12M · loan HK$18.95M · min. income ≈ HK$183,696/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,150,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,150
−HK$5,195/mo
▼ 0.25% · 3.875%
HK$98,729
−HK$2,616/mo
Today · 4.125%
HK$101,345
baseline
▲ 0.50% · 4.625%
HK$106,687
+HK$5,342/mo
Deposit HK$8.12M · loan HK$18.95M · min. income ≈ HK$202,690/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,150,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,122
−HK$6,968/mo
▼ 0.25% · 3.875%
HK$114,578
−HK$3,512/mo
Today · 4.125%
HK$118,090
baseline
▲ 0.50% · 4.625%
HK$125,275
+HK$7,185/mo
Deposit HK$2.71M · loan HK$24.37M · min. income ≈ HK$236,180/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,622
−HK$6,679/mo
▼ 0.25% · 3.875%
HK$126,937
−HK$3,364/mo
Today · 4.125%
HK$130,301
baseline
▲ 0.50% · 4.625%
HK$137,169
+HK$6,868/mo
Deposit HK$2.71M · loan HK$24.37M · min. income ≈ HK$260,602/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,618 · Scale 2, in force from 26 Feb 2026)