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$61,519
−HK$3,858/mo
▼ 0.25% · 3.875%
HK$63,432
−HK$1,945/mo
Today · 4.125%
HK$65,377
baseline
▲ 0.50% · 4.625%
HK$69,355
+HK$3,978/mo
Deposit HK$13.49M · loan HK$13.49M · min. income ≈ HK$130,754/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,146,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,439
−HK$3,698/mo
▼ 0.25% · 3.875%
HK$70,274
−HK$1,863/mo
Today · 4.125%
HK$72,137
baseline
▲ 0.50% · 4.625%
HK$75,939
+HK$3,802/mo
Deposit HK$13.49M · loan HK$13.49M · min. income ≈ HK$144,274/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,146,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,822
−HK$4,630/mo
▼ 0.25% · 3.875%
HK$76,119
−HK$2,333/mo
Today · 4.125%
HK$78,452
baseline
▲ 0.50% · 4.625%
HK$83,225
+HK$4,773/mo
Deposit HK$10.79M · loan HK$16.19M · min. income ≈ HK$156,904/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,146,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,127
−HK$4,437/mo
▼ 0.25% · 3.875%
HK$84,329
−HK$2,235/mo
Today · 4.125%
HK$86,564
baseline
▲ 0.50% · 4.625%
HK$91,127
+HK$4,563/mo
Deposit HK$10.79M · loan HK$16.19M · min. income ≈ HK$173,128/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,146,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,126
−HK$5,401/mo
▼ 0.25% · 3.875%
HK$88,805
−HK$2,722/mo
Today · 4.125%
HK$91,527
baseline
▲ 0.50% · 4.625%
HK$97,096
+HK$5,569/mo
Deposit HK$8.09M · loan HK$18.89M · min. income ≈ HK$183,054/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,146,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,815
−HK$5,176/mo
▼ 0.25% · 3.875%
HK$98,384
−HK$2,607/mo
Today · 4.125%
HK$100,991
baseline
▲ 0.50% · 4.625%
HK$106,315
+HK$5,324/mo
Deposit HK$8.09M · loan HK$18.89M · min. income ≈ HK$201,982/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,146,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,734
−HK$6,944/mo
▼ 0.25% · 3.875%
HK$114,178
−HK$3,500/mo
Today · 4.125%
HK$117,678
baseline
▲ 0.50% · 4.625%
HK$124,838
+HK$7,160/mo
Deposit HK$2.70M · loan HK$24.28M · min. income ≈ HK$235,356/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,146,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,190
−HK$6,656/mo
▼ 0.25% · 3.875%
HK$126,494
−HK$3,352/mo
Today · 4.125%
HK$129,846
baseline
▲ 0.50% · 4.625%
HK$136,690
+HK$6,844/mo
Deposit HK$2.70M · loan HK$24.28M · min. income ≈ HK$259,692/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,146,602 · Scale 2, in force from 26 Feb 2026)