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$61,297
−HK$3,844/mo
▼ 0.25% · 3.875%
HK$63,204
−HK$1,937/mo
Today · 4.125%
HK$65,141
baseline
▲ 0.50% · 4.625%
HK$69,104
+HK$3,963/mo
Deposit HK$13.44M · loan HK$13.44M · min. income ≈ HK$130,282/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,142,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,192
−HK$3,684/mo
▼ 0.25% · 3.875%
HK$70,021
−HK$1,855/mo
Today · 4.125%
HK$71,876
baseline
▲ 0.50% · 4.625%
HK$75,665
+HK$3,789/mo
Deposit HK$13.44M · loan HK$13.44M · min. income ≈ HK$143,752/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,142,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,556
−HK$4,613/mo
▼ 0.25% · 3.875%
HK$75,844
−HK$2,325/mo
Today · 4.125%
HK$78,169
baseline
▲ 0.50% · 4.625%
HK$82,925
+HK$4,756/mo
Deposit HK$10.75M · loan HK$16.13M · min. income ≈ HK$156,338/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,142,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,831
−HK$4,421/mo
▼ 0.25% · 3.875%
HK$84,025
−HK$2,227/mo
Today · 4.125%
HK$86,252
baseline
▲ 0.50% · 4.625%
HK$90,798
+HK$4,546/mo
Deposit HK$10.75M · loan HK$16.13M · min. income ≈ HK$172,504/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,142,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,816
−HK$5,381/mo
▼ 0.25% · 3.875%
HK$88,485
−HK$2,712/mo
Today · 4.125%
HK$91,197
baseline
▲ 0.50% · 4.625%
HK$96,746
+HK$5,549/mo
Deposit HK$8.06M · loan HK$18.82M · min. income ≈ HK$182,394/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,142,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,469
−HK$5,158/mo
▼ 0.25% · 3.875%
HK$98,029
−HK$2,598/mo
Today · 4.125%
HK$100,627
baseline
▲ 0.50% · 4.625%
HK$105,931
+HK$5,304/mo
Deposit HK$8.06M · loan HK$18.82M · min. income ≈ HK$201,254/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,142,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,334
−HK$6,919/mo
▼ 0.25% · 3.875%
HK$113,766
−HK$3,487/mo
Today · 4.125%
HK$117,253
baseline
▲ 0.50% · 4.625%
HK$124,388
+HK$7,135/mo
Deposit HK$2.69M · loan HK$24.19M · min. income ≈ HK$234,506/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,746
−HK$6,631/mo
▼ 0.25% · 3.875%
HK$126,038
−HK$3,339/mo
Today · 4.125%
HK$129,377
baseline
▲ 0.50% · 4.625%
HK$136,197
+HK$6,820/mo
Deposit HK$2.69M · loan HK$24.19M · min. income ≈ HK$258,754/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,467 · Scale 2, in force from 26 Feb 2026)