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$61,446
−HK$3,853/mo
▼ 0.25% · 3.875%
HK$63,357
−HK$1,942/mo
Today · 4.125%
HK$65,299
baseline
▲ 0.50% · 4.625%
HK$69,273
+HK$3,974/mo
Deposit HK$13.47M · loan HK$13.47M · min. income ≈ HK$130,598/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,145,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,358
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$70,192
−HK$1,859/mo
Today · 4.125%
HK$72,051
baseline
▲ 0.50% · 4.625%
HK$75,849
+HK$3,798/mo
Deposit HK$13.47M · loan HK$13.47M · min. income ≈ HK$144,102/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,145,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,735
−HK$4,624/mo
▼ 0.25% · 3.875%
HK$76,029
−HK$2,330/mo
Today · 4.125%
HK$78,359
baseline
▲ 0.50% · 4.625%
HK$83,127
+HK$4,768/mo
Deposit HK$10.78M · loan HK$16.17M · min. income ≈ HK$156,718/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,145,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,030
−HK$4,432/mo
▼ 0.25% · 3.875%
HK$84,230
−HK$2,232/mo
Today · 4.125%
HK$86,462
baseline
▲ 0.50% · 4.625%
HK$91,019
+HK$4,557/mo
Deposit HK$10.78M · loan HK$16.17M · min. income ≈ HK$172,924/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,145,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,025
−HK$5,394/mo
▼ 0.25% · 3.875%
HK$88,700
−HK$2,719/mo
Today · 4.125%
HK$91,419
baseline
▲ 0.50% · 4.625%
HK$96,982
+HK$5,563/mo
Deposit HK$8.08M · loan HK$18.86M · min. income ≈ HK$182,838/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,145,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,702
−HK$5,170/mo
▼ 0.25% · 3.875%
HK$98,268
−HK$2,604/mo
Today · 4.125%
HK$100,872
baseline
▲ 0.50% · 4.625%
HK$106,189
+HK$5,317/mo
Deposit HK$8.08M · loan HK$18.86M · min. income ≈ HK$201,744/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,145,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,603
−HK$6,936/mo
▼ 0.25% · 3.875%
HK$114,043
−HK$3,496/mo
Today · 4.125%
HK$117,539
baseline
▲ 0.50% · 4.625%
HK$124,691
+HK$7,152/mo
Deposit HK$2.69M · loan HK$24.25M · min. income ≈ HK$235,078/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,045
−HK$6,648/mo
▼ 0.25% · 3.875%
HK$126,345
−HK$3,348/mo
Today · 4.125%
HK$129,693
baseline
▲ 0.50% · 4.625%
HK$136,529
+HK$6,836/mo
Deposit HK$2.69M · loan HK$24.25M · min. income ≈ HK$259,386/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,249 · Scale 2, in force from 26 Feb 2026)