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$61,294
−HK$3,844/mo
▼ 0.25% · 3.875%
HK$63,201
−HK$1,937/mo
Today · 4.125%
HK$65,138
baseline
▲ 0.50% · 4.625%
HK$69,101
+HK$3,963/mo
Deposit HK$13.44M · loan HK$13.44M · min. income ≈ HK$130,276/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,142,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,189
−HK$3,684/mo
▼ 0.25% · 3.875%
HK$70,018
−HK$1,855/mo
Today · 4.125%
HK$71,873
baseline
▲ 0.50% · 4.625%
HK$75,662
+HK$3,789/mo
Deposit HK$13.44M · loan HK$13.44M · min. income ≈ HK$143,746/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,142,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,553
−HK$4,612/mo
▼ 0.25% · 3.875%
HK$75,841
−HK$2,324/mo
Today · 4.125%
HK$78,165
baseline
▲ 0.50% · 4.625%
HK$82,922
+HK$4,757/mo
Deposit HK$10.75M · loan HK$16.13M · min. income ≈ HK$156,330/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,142,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,827
−HK$4,421/mo
▼ 0.25% · 3.875%
HK$84,022
−HK$2,226/mo
Today · 4.125%
HK$86,248
baseline
▲ 0.50% · 4.625%
HK$90,794
+HK$4,546/mo
Deposit HK$10.75M · loan HK$16.13M · min. income ≈ HK$172,496/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,142,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,812
−HK$5,381/mo
▼ 0.25% · 3.875%
HK$88,481
−HK$2,712/mo
Today · 4.125%
HK$91,193
baseline
▲ 0.50% · 4.625%
HK$96,742
+HK$5,549/mo
Deposit HK$8.06M · loan HK$18.82M · min. income ≈ HK$182,386/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,142,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,465
−HK$5,158/mo
▼ 0.25% · 3.875%
HK$98,025
−HK$2,598/mo
Today · 4.125%
HK$100,623
baseline
▲ 0.50% · 4.625%
HK$105,927
+HK$5,304/mo
Deposit HK$8.06M · loan HK$18.82M · min. income ≈ HK$201,246/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,142,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,330
−HK$6,918/mo
▼ 0.25% · 3.875%
HK$113,761
−HK$3,487/mo
Today · 4.125%
HK$117,248
baseline
▲ 0.50% · 4.625%
HK$124,383
+HK$7,135/mo
Deposit HK$2.69M · loan HK$24.19M · min. income ≈ HK$234,496/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,741
−HK$6,631/mo
▼ 0.25% · 3.875%
HK$126,032
−HK$3,340/mo
Today · 4.125%
HK$129,372
baseline
▲ 0.50% · 4.625%
HK$136,191
+HK$6,819/mo
Deposit HK$2.69M · loan HK$24.19M · min. income ≈ HK$258,744/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,418 · Scale 2, in force from 26 Feb 2026)