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$61,491
−HK$3,856/mo
▼ 0.25% · 3.875%
HK$63,404
−HK$1,943/mo
Today · 4.125%
HK$65,347
baseline
▲ 0.50% · 4.625%
HK$69,324
+HK$3,977/mo
Deposit HK$13.48M · loan HK$13.48M · min. income ≈ HK$130,694/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,146,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,409
−HK$3,695/mo
▼ 0.25% · 3.875%
HK$70,243
−HK$1,861/mo
Today · 4.125%
HK$72,104
baseline
▲ 0.50% · 4.625%
HK$75,905
+HK$3,801/mo
Deposit HK$13.48M · loan HK$13.48M · min. income ≈ HK$144,208/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,146,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,790
−HK$4,627/mo
▼ 0.25% · 3.875%
HK$76,085
−HK$2,332/mo
Today · 4.125%
HK$78,417
baseline
▲ 0.50% · 4.625%
HK$83,188
+HK$4,771/mo
Deposit HK$10.79M · loan HK$16.18M · min. income ≈ HK$156,834/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,146,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,090
−HK$4,435/mo
▼ 0.25% · 3.875%
HK$84,292
−HK$2,233/mo
Today · 4.125%
HK$86,525
baseline
▲ 0.50% · 4.625%
HK$91,086
+HK$4,561/mo
Deposit HK$10.79M · loan HK$16.18M · min. income ≈ HK$173,050/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,146,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,088
−HK$5,398/mo
▼ 0.25% · 3.875%
HK$88,766
−HK$2,720/mo
Today · 4.125%
HK$91,486
baseline
▲ 0.50% · 4.625%
HK$97,053
+HK$5,567/mo
Deposit HK$8.09M · loan HK$18.88M · min. income ≈ HK$182,972/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,146,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,772
−HK$5,174/mo
▼ 0.25% · 3.875%
HK$98,340
−HK$2,606/mo
Today · 4.125%
HK$100,946
baseline
▲ 0.50% · 4.625%
HK$106,267
+HK$5,321/mo
Deposit HK$8.09M · loan HK$18.88M · min. income ≈ HK$201,892/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,146,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,684
−HK$6,941/mo
▼ 0.25% · 3.875%
HK$114,127
−HK$3,498/mo
Today · 4.125%
HK$117,625
baseline
▲ 0.50% · 4.625%
HK$124,783
+HK$7,158/mo
Deposit HK$2.70M · loan HK$24.27M · min. income ≈ HK$235,250/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,146,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,135
−HK$6,653/mo
▼ 0.25% · 3.875%
HK$126,438
−HK$3,350/mo
Today · 4.125%
HK$129,788
baseline
▲ 0.50% · 4.625%
HK$136,629
+HK$6,841/mo
Deposit HK$2.70M · loan HK$24.27M · min. income ≈ HK$259,576/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,146,092 · Scale 2, in force from 26 Feb 2026)