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$61,742
−HK$3,872/mo
▼ 0.25% · 3.875%
HK$63,663
−HK$1,951/mo
Today · 4.125%
HK$65,614
baseline
▲ 0.50% · 4.625%
HK$69,606
+HK$3,992/mo
Deposit HK$13.54M · loan HK$13.54M · min. income ≈ HK$131,228/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,150,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,688
−HK$3,711/mo
▼ 0.25% · 3.875%
HK$70,530
−HK$1,869/mo
Today · 4.125%
HK$72,399
baseline
▲ 0.50% · 4.625%
HK$76,215
+HK$3,816/mo
Deposit HK$13.54M · loan HK$13.54M · min. income ≈ HK$144,798/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,150,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,091
−HK$4,646/mo
▼ 0.25% · 3.875%
HK$76,395
−HK$2,342/mo
Today · 4.125%
HK$78,737
baseline
▲ 0.50% · 4.625%
HK$83,528
+HK$4,791/mo
Deposit HK$10.83M · loan HK$16.25M · min. income ≈ HK$157,474/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,150,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,425
−HK$4,453/mo
▼ 0.25% · 3.875%
HK$84,636
−HK$2,242/mo
Today · 4.125%
HK$86,878
baseline
▲ 0.50% · 4.625%
HK$91,458
+HK$4,580/mo
Deposit HK$10.83M · loan HK$16.25M · min. income ≈ HK$173,756/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,150,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,439
−HK$5,421/mo
▼ 0.25% · 3.875%
HK$89,128
−HK$2,732/mo
Today · 4.125%
HK$91,860
baseline
▲ 0.50% · 4.625%
HK$97,449
+HK$5,589/mo
Deposit HK$8.12M · loan HK$18.95M · min. income ≈ HK$183,720/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,150,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,163
−HK$5,195/mo
▼ 0.25% · 3.875%
HK$98,742
−HK$2,616/mo
Today · 4.125%
HK$101,358
baseline
▲ 0.50% · 4.625%
HK$106,701
+HK$5,343/mo
Deposit HK$8.12M · loan HK$18.95M · min. income ≈ HK$202,716/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,150,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,136
−HK$6,969/mo
▼ 0.25% · 3.875%
HK$114,593
−HK$3,512/mo
Today · 4.125%
HK$118,105
baseline
▲ 0.50% · 4.625%
HK$125,292
+HK$7,187/mo
Deposit HK$2.71M · loan HK$24.37M · min. income ≈ HK$236,210/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,638
−HK$6,679/mo
▼ 0.25% · 3.875%
HK$126,953
−HK$3,364/mo
Today · 4.125%
HK$130,317
baseline
▲ 0.50% · 4.625%
HK$137,187
+HK$6,870/mo
Deposit HK$2.71M · loan HK$24.37M · min. income ≈ HK$260,634/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,767 · Scale 2, in force from 26 Feb 2026)