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$61,523
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$63,437
−HK$1,945/mo
Today · 4.125%
HK$65,382
baseline
▲ 0.50% · 4.625%
HK$69,360
+HK$3,978/mo
Deposit HK$13.49M · loan HK$13.49M · min. income ≈ HK$130,764/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,146,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,444
−HK$3,698/mo
▼ 0.25% · 3.875%
HK$70,280
−HK$1,862/mo
Today · 4.125%
HK$72,142
baseline
▲ 0.50% · 4.625%
HK$75,945
+HK$3,803/mo
Deposit HK$13.49M · loan HK$13.49M · min. income ≈ HK$144,284/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,146,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,828
−HK$4,630/mo
▼ 0.25% · 3.875%
HK$76,125
−HK$2,333/mo
Today · 4.125%
HK$78,458
baseline
▲ 0.50% · 4.625%
HK$83,232
+HK$4,774/mo
Deposit HK$10.79M · loan HK$16.19M · min. income ≈ HK$156,916/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,146,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,133
−HK$4,437/mo
▼ 0.25% · 3.875%
HK$84,336
−HK$2,234/mo
Today · 4.125%
HK$86,570
baseline
▲ 0.50% · 4.625%
HK$91,134
+HK$4,564/mo
Deposit HK$10.79M · loan HK$16.19M · min. income ≈ HK$173,140/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,146,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,133
−HK$5,401/mo
▼ 0.25% · 3.875%
HK$88,812
−HK$2,722/mo
Today · 4.125%
HK$91,534
baseline
▲ 0.50% · 4.625%
HK$97,104
+HK$5,570/mo
Deposit HK$8.09M · loan HK$18.89M · min. income ≈ HK$183,068/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,146,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,822
−HK$5,177/mo
▼ 0.25% · 3.875%
HK$98,392
−HK$2,607/mo
Today · 4.125%
HK$100,999
baseline
▲ 0.50% · 4.625%
HK$106,323
+HK$5,324/mo
Deposit HK$8.09M · loan HK$18.89M · min. income ≈ HK$201,998/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,146,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,742
−HK$6,945/mo
▼ 0.25% · 3.875%
HK$114,187
−HK$3,500/mo
Today · 4.125%
HK$117,687
baseline
▲ 0.50% · 4.625%
HK$124,848
+HK$7,161/mo
Deposit HK$2.70M · loan HK$24.28M · min. income ≈ HK$235,374/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,146,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,200
−HK$6,656/mo
▼ 0.25% · 3.875%
HK$126,504
−HK$3,352/mo
Today · 4.125%
HK$129,856
baseline
▲ 0.50% · 4.625%
HK$136,701
+HK$6,845/mo
Deposit HK$2.70M · loan HK$24.28M · min. income ≈ HK$259,712/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,146,690 · Scale 2, in force from 26 Feb 2026)