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$61,744
−HK$3,872/mo
▼ 0.25% · 3.875%
HK$63,664
−HK$1,952/mo
Today · 4.125%
HK$65,616
baseline
▲ 0.50% · 4.625%
HK$69,608
+HK$3,992/mo
Deposit HK$13.54M · loan HK$13.54M · min. income ≈ HK$131,232/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,150,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,689
−HK$3,711/mo
▼ 0.25% · 3.875%
HK$70,532
−HK$1,868/mo
Today · 4.125%
HK$72,400
baseline
▲ 0.50% · 4.625%
HK$76,217
+HK$3,817/mo
Deposit HK$13.54M · loan HK$13.54M · min. income ≈ HK$144,800/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,150,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,093
−HK$4,646/mo
▼ 0.25% · 3.875%
HK$76,397
−HK$2,342/mo
Today · 4.125%
HK$78,739
baseline
▲ 0.50% · 4.625%
HK$83,530
+HK$4,791/mo
Deposit HK$10.83M · loan HK$16.25M · min. income ≈ HK$157,478/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,150,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,427
−HK$4,454/mo
▼ 0.25% · 3.875%
HK$84,638
−HK$2,243/mo
Today · 4.125%
HK$86,881
baseline
▲ 0.50% · 4.625%
HK$91,460
+HK$4,579/mo
Deposit HK$10.83M · loan HK$16.25M · min. income ≈ HK$173,762/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,150,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,441
−HK$5,421/mo
▼ 0.25% · 3.875%
HK$89,130
−HK$2,732/mo
Today · 4.125%
HK$91,862
baseline
▲ 0.50% · 4.625%
HK$97,452
+HK$5,590/mo
Deposit HK$8.12M · loan HK$18.95M · min. income ≈ HK$183,724/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,150,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,165
−HK$5,196/mo
▼ 0.25% · 3.875%
HK$98,744
−HK$2,617/mo
Today · 4.125%
HK$101,361
baseline
▲ 0.50% · 4.625%
HK$106,703
+HK$5,342/mo
Deposit HK$8.12M · loan HK$18.95M · min. income ≈ HK$202,722/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,150,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,139
−HK$6,969/mo
▼ 0.25% · 3.875%
HK$114,596
−HK$3,512/mo
Today · 4.125%
HK$118,108
baseline
▲ 0.50% · 4.625%
HK$125,295
+HK$7,187/mo
Deposit HK$2.71M · loan HK$24.37M · min. income ≈ HK$236,216/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,641
−HK$6,680/mo
▼ 0.25% · 3.875%
HK$126,957
−HK$3,364/mo
Today · 4.125%
HK$130,321
baseline
▲ 0.50% · 4.625%
HK$137,190
+HK$6,869/mo
Deposit HK$2.71M · loan HK$24.37M · min. income ≈ HK$260,642/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,797 · Scale 2, in force from 26 Feb 2026)