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$61,684
−HK$3,868/mo
▼ 0.25% · 3.875%
HK$63,602
−HK$1,950/mo
Today · 4.125%
HK$65,552
baseline
▲ 0.50% · 4.625%
HK$69,541
+HK$3,989/mo
Deposit HK$13.53M · loan HK$13.53M · min. income ≈ HK$131,104/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,149,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,623
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$70,463
−HK$1,867/mo
Today · 4.125%
HK$72,330
baseline
▲ 0.50% · 4.625%
HK$76,143
+HK$3,813/mo
Deposit HK$13.53M · loan HK$13.53M · min. income ≈ HK$144,660/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,149,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,021
−HK$4,641/mo
▼ 0.25% · 3.875%
HK$76,323
−HK$2,339/mo
Today · 4.125%
HK$78,662
baseline
▲ 0.50% · 4.625%
HK$83,449
+HK$4,787/mo
Deposit HK$10.82M · loan HK$16.23M · min. income ≈ HK$157,324/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,149,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,347
−HK$4,449/mo
▼ 0.25% · 3.875%
HK$84,556
−HK$2,240/mo
Today · 4.125%
HK$86,796
baseline
▲ 0.50% · 4.625%
HK$91,371
+HK$4,575/mo
Deposit HK$10.82M · loan HK$16.23M · min. income ≈ HK$173,592/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,149,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,357
−HK$5,416/mo
▼ 0.25% · 3.875%
HK$89,043
−HK$2,730/mo
Today · 4.125%
HK$91,773
baseline
▲ 0.50% · 4.625%
HK$97,357
+HK$5,584/mo
Deposit HK$8.12M · loan HK$18.94M · min. income ≈ HK$183,546/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,149,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,072
−HK$5,190/mo
▼ 0.25% · 3.875%
HK$98,648
−HK$2,614/mo
Today · 4.125%
HK$101,262
baseline
▲ 0.50% · 4.625%
HK$106,600
+HK$5,338/mo
Deposit HK$8.12M · loan HK$18.94M · min. income ≈ HK$202,524/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,149,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,031
−HK$6,962/mo
▼ 0.25% · 3.875%
HK$114,484
−HK$3,509/mo
Today · 4.125%
HK$117,993
baseline
▲ 0.50% · 4.625%
HK$125,173
+HK$7,180/mo
Deposit HK$2.71M · loan HK$24.35M · min. income ≈ HK$235,986/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,149,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,521
−HK$6,673/mo
▼ 0.25% · 3.875%
HK$126,833
−HK$3,361/mo
Today · 4.125%
HK$130,194
baseline
▲ 0.50% · 4.625%
HK$137,057
+HK$6,863/mo
Deposit HK$2.71M · loan HK$24.35M · min. income ≈ HK$260,388/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,149,678 · Scale 2, in force from 26 Feb 2026)