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$61,473
−HK$3,855/mo
▼ 0.25% · 3.875%
HK$63,385
−HK$1,943/mo
Today · 4.125%
HK$65,328
baseline
▲ 0.50% · 4.625%
HK$69,303
+HK$3,975/mo
Deposit HK$13.48M · loan HK$13.48M · min. income ≈ HK$130,656/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,145,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,388
−HK$3,695/mo
▼ 0.25% · 3.875%
HK$70,223
−HK$1,860/mo
Today · 4.125%
HK$72,083
baseline
▲ 0.50% · 4.625%
HK$75,883
+HK$3,800/mo
Deposit HK$13.48M · loan HK$13.48M · min. income ≈ HK$144,166/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,145,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,768
−HK$4,626/mo
▼ 0.25% · 3.875%
HK$76,063
−HK$2,331/mo
Today · 4.125%
HK$78,394
baseline
▲ 0.50% · 4.625%
HK$83,164
+HK$4,770/mo
Deposit HK$10.78M · loan HK$16.18M · min. income ≈ HK$156,788/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,145,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,066
−HK$4,434/mo
▼ 0.25% · 3.875%
HK$84,267
−HK$2,233/mo
Today · 4.125%
HK$86,500
baseline
▲ 0.50% · 4.625%
HK$91,059
+HK$4,559/mo
Deposit HK$10.78M · loan HK$16.18M · min. income ≈ HK$173,000/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,145,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,063
−HK$5,397/mo
▼ 0.25% · 3.875%
HK$88,740
−HK$2,720/mo
Today · 4.125%
HK$91,460
baseline
▲ 0.50% · 4.625%
HK$97,025
+HK$5,565/mo
Deposit HK$8.09M · loan HK$18.87M · min. income ≈ HK$182,920/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,145,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,744
−HK$5,173/mo
▼ 0.25% · 3.875%
HK$98,312
−HK$2,605/mo
Today · 4.125%
HK$100,917
baseline
▲ 0.50% · 4.625%
HK$106,236
+HK$5,319/mo
Deposit HK$8.09M · loan HK$18.87M · min. income ≈ HK$201,834/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,145,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,652
−HK$6,939/mo
▼ 0.25% · 3.875%
HK$114,094
−HK$3,497/mo
Today · 4.125%
HK$117,591
baseline
▲ 0.50% · 4.625%
HK$124,746
+HK$7,155/mo
Deposit HK$2.70M · loan HK$24.26M · min. income ≈ HK$235,182/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,099
−HK$6,651/mo
▼ 0.25% · 3.875%
HK$126,401
−HK$3,349/mo
Today · 4.125%
HK$129,750
baseline
▲ 0.50% · 4.625%
HK$136,589
+HK$6,839/mo
Deposit HK$2.70M · loan HK$24.26M · min. income ≈ HK$259,500/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,756 · Scale 2, in force from 26 Feb 2026)