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$61,322
−HK$3,845/mo
▼ 0.25% · 3.875%
HK$63,229
−HK$1,938/mo
Today · 4.125%
HK$65,167
baseline
▲ 0.50% · 4.625%
HK$69,132
+HK$3,965/mo
Deposit HK$13.45M · loan HK$13.45M · min. income ≈ HK$130,334/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,142,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,220
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$70,049
−HK$1,856/mo
Today · 4.125%
HK$71,905
baseline
▲ 0.50% · 4.625%
HK$75,696
+HK$3,791/mo
Deposit HK$13.45M · loan HK$13.45M · min. income ≈ HK$143,810/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,142,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,586
−HK$4,615/mo
▼ 0.25% · 3.875%
HK$75,875
−HK$2,326/mo
Today · 4.125%
HK$78,201
baseline
▲ 0.50% · 4.625%
HK$82,959
+HK$4,758/mo
Deposit HK$10.76M · loan HK$16.14M · min. income ≈ HK$156,402/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,142,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,864
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$84,059
−HK$2,228/mo
Today · 4.125%
HK$86,287
baseline
▲ 0.50% · 4.625%
HK$90,835
+HK$4,548/mo
Deposit HK$10.76M · loan HK$16.14M · min. income ≈ HK$172,574/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,142,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,850
−HK$5,384/mo
▼ 0.25% · 3.875%
HK$88,521
−HK$2,713/mo
Today · 4.125%
HK$91,234
baseline
▲ 0.50% · 4.625%
HK$96,785
+HK$5,551/mo
Deposit HK$8.07M · loan HK$18.82M · min. income ≈ HK$182,468/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,142,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,508
−HK$5,160/mo
▼ 0.25% · 3.875%
HK$98,069
−HK$2,599/mo
Today · 4.125%
HK$100,668
baseline
▲ 0.50% · 4.625%
HK$105,974
+HK$5,306/mo
Deposit HK$8.07M · loan HK$18.82M · min. income ≈ HK$201,336/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,142,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,379
−HK$6,922/mo
▼ 0.25% · 3.875%
HK$113,812
−HK$3,489/mo
Today · 4.125%
HK$117,301
baseline
▲ 0.50% · 4.625%
HK$124,438
+HK$7,137/mo
Deposit HK$2.69M · loan HK$24.20M · min. income ≈ HK$234,602/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,796
−HK$6,634/mo
▼ 0.25% · 3.875%
HK$126,089
−HK$3,341/mo
Today · 4.125%
HK$129,430
baseline
▲ 0.50% · 4.625%
HK$136,252
+HK$6,822/mo
Deposit HK$2.69M · loan HK$24.20M · min. income ≈ HK$258,860/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,930 · Scale 2, in force from 26 Feb 2026)