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$61,391
−HK$3,849/mo
▼ 0.25% · 3.875%
HK$63,300
−HK$1,940/mo
Today · 4.125%
HK$65,240
baseline
▲ 0.50% · 4.625%
HK$69,210
+HK$3,970/mo
Deposit HK$13.46M · loan HK$13.46M · min. income ≈ HK$130,480/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,144,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,297
−HK$3,689/mo
▼ 0.25% · 3.875%
HK$70,128
−HK$1,858/mo
Today · 4.125%
HK$71,986
baseline
▲ 0.50% · 4.625%
HK$75,781
+HK$3,795/mo
Deposit HK$13.46M · loan HK$13.46M · min. income ≈ HK$143,972/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,144,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,669
−HK$4,620/mo
▼ 0.25% · 3.875%
HK$75,960
−HK$2,329/mo
Today · 4.125%
HK$78,289
baseline
▲ 0.50% · 4.625%
HK$83,052
+HK$4,763/mo
Deposit HK$10.77M · loan HK$16.15M · min. income ≈ HK$156,578/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,144,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,956
−HK$4,428/mo
▼ 0.25% · 3.875%
HK$84,154
−HK$2,230/mo
Today · 4.125%
HK$86,384
baseline
▲ 0.50% · 4.625%
HK$90,937
+HK$4,553/mo
Deposit HK$10.77M · loan HK$16.15M · min. income ≈ HK$172,768/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,144,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,947
−HK$5,390/mo
▼ 0.25% · 3.875%
HK$88,620
−HK$2,717/mo
Today · 4.125%
HK$91,337
baseline
▲ 0.50% · 4.625%
HK$96,894
+HK$5,557/mo
Deposit HK$8.08M · loan HK$18.85M · min. income ≈ HK$182,674/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,144,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,615
−HK$5,166/mo
▼ 0.25% · 3.875%
HK$98,180
−HK$2,601/mo
Today · 4.125%
HK$100,781
baseline
▲ 0.50% · 4.625%
HK$106,093
+HK$5,312/mo
Deposit HK$8.08M · loan HK$18.85M · min. income ≈ HK$201,562/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,144,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,503
−HK$6,930/mo
▼ 0.25% · 3.875%
HK$113,941
−HK$3,492/mo
Today · 4.125%
HK$117,433
baseline
▲ 0.50% · 4.625%
HK$124,578
+HK$7,145/mo
Deposit HK$2.69M · loan HK$24.23M · min. income ≈ HK$234,866/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,934
−HK$6,642/mo
▼ 0.25% · 3.875%
HK$126,231
−HK$3,345/mo
Today · 4.125%
HK$129,576
baseline
▲ 0.50% · 4.625%
HK$136,406
+HK$6,830/mo
Deposit HK$2.69M · loan HK$24.23M · min. income ≈ HK$259,152/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,216 · Scale 2, in force from 26 Feb 2026)