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$61,405
−HK$3,850/mo
▼ 0.25% · 3.875%
HK$63,315
−HK$1,940/mo
Today · 4.125%
HK$65,255
baseline
▲ 0.50% · 4.625%
HK$69,226
+HK$3,971/mo
Deposit HK$13.46M · loan HK$13.46M · min. income ≈ HK$130,510/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,144,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,312
−HK$3,691/mo
▼ 0.25% · 3.875%
HK$70,144
−HK$1,859/mo
Today · 4.125%
HK$72,003
baseline
▲ 0.50% · 4.625%
HK$75,798
+HK$3,795/mo
Deposit HK$13.46M · loan HK$13.46M · min. income ≈ HK$144,006/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,144,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,686
−HK$4,621/mo
▼ 0.25% · 3.875%
HK$75,978
−HK$2,329/mo
Today · 4.125%
HK$78,307
baseline
▲ 0.50% · 4.625%
HK$83,071
+HK$4,764/mo
Deposit HK$10.77M · loan HK$16.16M · min. income ≈ HK$156,614/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,144,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,975
−HK$4,429/mo
▼ 0.25% · 3.875%
HK$84,173
−HK$2,231/mo
Today · 4.125%
HK$86,404
baseline
▲ 0.50% · 4.625%
HK$90,958
+HK$4,554/mo
Deposit HK$10.77M · loan HK$16.16M · min. income ≈ HK$172,808/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,144,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,967
−HK$5,391/mo
▼ 0.25% · 3.875%
HK$88,641
−HK$2,717/mo
Today · 4.125%
HK$91,358
baseline
▲ 0.50% · 4.625%
HK$96,917
+HK$5,559/mo
Deposit HK$8.08M · loan HK$18.85M · min. income ≈ HK$182,716/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,144,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,637
−HK$5,167/mo
▼ 0.25% · 3.875%
HK$98,202
−HK$2,602/mo
Today · 4.125%
HK$100,804
baseline
▲ 0.50% · 4.625%
HK$106,118
+HK$5,314/mo
Deposit HK$8.08M · loan HK$18.85M · min. income ≈ HK$201,608/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,144,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,529
−HK$6,931/mo
▼ 0.25% · 3.875%
HK$113,967
−HK$3,493/mo
Today · 4.125%
HK$117,460
baseline
▲ 0.50% · 4.625%
HK$124,607
+HK$7,147/mo
Deposit HK$2.69M · loan HK$24.24M · min. income ≈ HK$234,920/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,962
−HK$6,643/mo
▼ 0.25% · 3.875%
HK$126,260
−HK$3,345/mo
Today · 4.125%
HK$129,605
baseline
▲ 0.50% · 4.625%
HK$136,437
+HK$6,832/mo
Deposit HK$2.69M · loan HK$24.24M · min. income ≈ HK$259,210/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,480 · Scale 2, in force from 26 Feb 2026)