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$61,283
−HK$3,842/mo
▼ 0.25% · 3.875%
HK$63,189
−HK$1,936/mo
Today · 4.125%
HK$65,125
baseline
▲ 0.50% · 4.625%
HK$69,088
+HK$3,963/mo
Deposit HK$13.44M · loan HK$13.44M · min. income ≈ HK$130,250/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,142,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,176
−HK$3,684/mo
▼ 0.25% · 3.875%
HK$70,005
−HK$1,855/mo
Today · 4.125%
HK$71,860
baseline
▲ 0.50% · 4.625%
HK$75,647
+HK$3,787/mo
Deposit HK$13.44M · loan HK$13.44M · min. income ≈ HK$143,720/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,142,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,539
−HK$4,612/mo
▼ 0.25% · 3.875%
HK$75,827
−HK$2,324/mo
Today · 4.125%
HK$78,151
baseline
▲ 0.50% · 4.625%
HK$82,906
+HK$4,755/mo
Deposit HK$10.75M · loan HK$16.13M · min. income ≈ HK$156,302/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,142,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,811
−HK$4,420/mo
▼ 0.25% · 3.875%
HK$84,006
−HK$2,225/mo
Today · 4.125%
HK$86,231
baseline
▲ 0.50% · 4.625%
HK$90,777
+HK$4,546/mo
Deposit HK$10.75M · loan HK$16.13M · min. income ≈ HK$172,462/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,142,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,796
−HK$5,380/mo
▼ 0.25% · 3.875%
HK$88,464
−HK$2,712/mo
Today · 4.125%
HK$91,176
baseline
▲ 0.50% · 4.625%
HK$96,724
+HK$5,548/mo
Deposit HK$8.06M · loan HK$18.81M · min. income ≈ HK$182,352/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,142,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,447
−HK$5,156/mo
▼ 0.25% · 3.875%
HK$98,007
−HK$2,596/mo
Today · 4.125%
HK$100,603
baseline
▲ 0.50% · 4.625%
HK$105,906
+HK$5,303/mo
Deposit HK$8.06M · loan HK$18.81M · min. income ≈ HK$201,206/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,142,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,309
−HK$6,917/mo
▼ 0.25% · 3.875%
HK$113,740
−HK$3,486/mo
Today · 4.125%
HK$117,226
baseline
▲ 0.50% · 4.625%
HK$124,359
+HK$7,133/mo
Deposit HK$2.69M · loan HK$24.19M · min. income ≈ HK$234,452/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,717
−HK$6,630/mo
▼ 0.25% · 3.875%
HK$126,008
−HK$3,339/mo
Today · 4.125%
HK$129,347
baseline
▲ 0.50% · 4.625%
HK$136,165
+HK$6,818/mo
Deposit HK$2.69M · loan HK$24.19M · min. income ≈ HK$258,694/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,200 · Scale 2, in force from 26 Feb 2026)