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$61,666
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$63,584
−HK$1,949/mo
Today · 4.125%
HK$65,533
baseline
▲ 0.50% · 4.625%
HK$69,520
+HK$3,987/mo
Deposit HK$13.52M · loan HK$13.52M · min. income ≈ HK$131,066/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,149,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,602
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$70,442
−HK$1,867/mo
Today · 4.125%
HK$72,309
baseline
▲ 0.50% · 4.625%
HK$76,120
+HK$3,811/mo
Deposit HK$13.52M · loan HK$13.52M · min. income ≈ HK$144,618/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,149,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,999
−HK$4,640/mo
▼ 0.25% · 3.875%
HK$76,301
−HK$2,338/mo
Today · 4.125%
HK$78,639
baseline
▲ 0.50% · 4.625%
HK$83,424
+HK$4,785/mo
Deposit HK$10.82M · loan HK$16.23M · min. income ≈ HK$157,278/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,149,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,323
−HK$4,448/mo
▼ 0.25% · 3.875%
HK$84,531
−HK$2,240/mo
Today · 4.125%
HK$86,771
baseline
▲ 0.50% · 4.625%
HK$91,344
+HK$4,573/mo
Deposit HK$10.82M · loan HK$16.23M · min. income ≈ HK$173,542/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,149,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,332
−HK$5,414/mo
▼ 0.25% · 3.875%
HK$89,017
−HK$2,729/mo
Today · 4.125%
HK$91,746
baseline
▲ 0.50% · 4.625%
HK$97,328
+HK$5,582/mo
Deposit HK$8.11M · loan HK$18.93M · min. income ≈ HK$183,492/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,149,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,043
−HK$5,189/mo
▼ 0.25% · 3.875%
HK$98,619
−HK$2,613/mo
Today · 4.125%
HK$101,232
baseline
▲ 0.50% · 4.625%
HK$106,568
+HK$5,336/mo
Deposit HK$8.11M · loan HK$18.93M · min. income ≈ HK$202,464/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,149,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,998
−HK$6,961/mo
▼ 0.25% · 3.875%
HK$114,451
−HK$3,508/mo
Today · 4.125%
HK$117,959
baseline
▲ 0.50% · 4.625%
HK$125,136
+HK$7,177/mo
Deposit HK$2.70M · loan HK$24.34M · min. income ≈ HK$235,918/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,149,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,484
−HK$6,672/mo
▼ 0.25% · 3.875%
HK$126,796
−HK$3,360/mo
Today · 4.125%
HK$130,156
baseline
▲ 0.50% · 4.625%
HK$137,017
+HK$6,861/mo
Deposit HK$2.70M · loan HK$24.34M · min. income ≈ HK$260,312/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,149,341 · Scale 2, in force from 26 Feb 2026)