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$61,728
−HK$3,871/mo
▼ 0.25% · 3.875%
HK$63,648
−HK$1,951/mo
Today · 4.125%
HK$65,599
baseline
▲ 0.50% · 4.625%
HK$69,590
+HK$3,991/mo
Deposit HK$13.54M · loan HK$13.54M · min. income ≈ HK$131,198/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,150,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,672
−HK$3,710/mo
▼ 0.25% · 3.875%
HK$70,514
−HK$1,868/mo
Today · 4.125%
HK$72,382
baseline
▲ 0.50% · 4.625%
HK$76,197
+HK$3,815/mo
Deposit HK$13.54M · loan HK$13.54M · min. income ≈ HK$144,764/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,150,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,074
−HK$4,645/mo
▼ 0.25% · 3.875%
HK$76,378
−HK$2,341/mo
Today · 4.125%
HK$78,719
baseline
▲ 0.50% · 4.625%
HK$83,509
+HK$4,790/mo
Deposit HK$10.83M · loan HK$16.24M · min. income ≈ HK$157,438/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,150,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,406
−HK$4,452/mo
▼ 0.25% · 3.875%
HK$84,616
−HK$2,242/mo
Today · 4.125%
HK$86,858
baseline
▲ 0.50% · 4.625%
HK$91,437
+HK$4,579/mo
Deposit HK$10.83M · loan HK$16.24M · min. income ≈ HK$173,716/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,150,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,419
−HK$5,419/mo
▼ 0.25% · 3.875%
HK$89,107
−HK$2,731/mo
Today · 4.125%
HK$91,838
baseline
▲ 0.50% · 4.625%
HK$97,427
+HK$5,589/mo
Deposit HK$8.12M · loan HK$18.95M · min. income ≈ HK$183,676/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,150,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,141
−HK$5,194/mo
▼ 0.25% · 3.875%
HK$98,719
−HK$2,616/mo
Today · 4.125%
HK$101,335
baseline
▲ 0.50% · 4.625%
HK$106,676
+HK$5,341/mo
Deposit HK$8.12M · loan HK$18.95M · min. income ≈ HK$202,670/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,150,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,110
−HK$6,968/mo
▼ 0.25% · 3.875%
HK$114,567
−HK$3,511/mo
Today · 4.125%
HK$118,078
baseline
▲ 0.50% · 4.625%
HK$125,263
+HK$7,185/mo
Deposit HK$2.71M · loan HK$24.36M · min. income ≈ HK$236,156/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,609
−HK$6,678/mo
▼ 0.25% · 3.875%
HK$126,924
−HK$3,363/mo
Today · 4.125%
HK$130,287
baseline
▲ 0.50% · 4.625%
HK$137,155
+HK$6,868/mo
Deposit HK$2.71M · loan HK$24.36M · min. income ≈ HK$260,574/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,503 · Scale 2, in force from 26 Feb 2026)