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$61,442
−HK$3,853/mo
▼ 0.25% · 3.875%
HK$63,353
−HK$1,942/mo
Today · 4.125%
HK$65,295
baseline
▲ 0.50% · 4.625%
HK$69,268
+HK$3,973/mo
Deposit HK$13.47M · loan HK$13.47M · min. income ≈ HK$130,590/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,145,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,353
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$70,187
−HK$1,859/mo
Today · 4.125%
HK$72,046
baseline
▲ 0.50% · 4.625%
HK$75,844
+HK$3,798/mo
Deposit HK$13.47M · loan HK$13.47M · min. income ≈ HK$144,092/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,145,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,730
−HK$4,624/mo
▼ 0.25% · 3.875%
HK$76,024
−HK$2,330/mo
Today · 4.125%
HK$78,354
baseline
▲ 0.50% · 4.625%
HK$83,121
+HK$4,767/mo
Deposit HK$10.78M · loan HK$16.17M · min. income ≈ HK$156,708/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,145,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,024
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$84,224
−HK$2,231/mo
Today · 4.125%
HK$86,455
baseline
▲ 0.50% · 4.625%
HK$91,013
+HK$4,558/mo
Deposit HK$10.78M · loan HK$16.17M · min. income ≈ HK$172,910/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,145,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,018
−HK$5,395/mo
▼ 0.25% · 3.875%
HK$88,694
−HK$2,719/mo
Today · 4.125%
HK$91,413
baseline
▲ 0.50% · 4.625%
HK$96,975
+HK$5,562/mo
Deposit HK$8.08M · loan HK$18.86M · min. income ≈ HK$182,826/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,145,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,695
−HK$5,170/mo
▼ 0.25% · 3.875%
HK$98,261
−HK$2,604/mo
Today · 4.125%
HK$100,865
baseline
▲ 0.50% · 4.625%
HK$106,181
+HK$5,316/mo
Deposit HK$8.08M · loan HK$18.86M · min. income ≈ HK$201,730/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,145,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,595
−HK$6,935/mo
▼ 0.25% · 3.875%
HK$114,035
−HK$3,495/mo
Today · 4.125%
HK$117,530
baseline
▲ 0.50% · 4.625%
HK$124,682
+HK$7,152/mo
Deposit HK$2.69M · loan HK$24.25M · min. income ≈ HK$235,060/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,036
−HK$6,647/mo
▼ 0.25% · 3.875%
HK$126,336
−HK$3,347/mo
Today · 4.125%
HK$129,683
baseline
▲ 0.50% · 4.625%
HK$136,519
+HK$6,836/mo
Deposit HK$2.69M · loan HK$24.25M · min. income ≈ HK$259,366/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,167 · Scale 2, in force from 26 Feb 2026)