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$61,480
−HK$3,855/mo
▼ 0.25% · 3.875%
HK$63,392
−HK$1,943/mo
Today · 4.125%
HK$65,335
baseline
▲ 0.50% · 4.625%
HK$69,310
+HK$3,975/mo
Deposit HK$13.48M · loan HK$13.48M · min. income ≈ HK$130,670/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,145,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,396
−HK$3,695/mo
▼ 0.25% · 3.875%
HK$70,230
−HK$1,861/mo
Today · 4.125%
HK$72,091
baseline
▲ 0.50% · 4.625%
HK$75,891
+HK$3,800/mo
Deposit HK$13.48M · loan HK$13.48M · min. income ≈ HK$144,182/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,145,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,776
−HK$4,626/mo
▼ 0.25% · 3.875%
HK$76,070
−HK$2,332/mo
Today · 4.125%
HK$78,402
baseline
▲ 0.50% · 4.625%
HK$83,173
+HK$4,771/mo
Deposit HK$10.78M · loan HK$16.18M · min. income ≈ HK$156,804/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,145,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,075
−HK$4,434/mo
▼ 0.25% · 3.875%
HK$84,276
−HK$2,233/mo
Today · 4.125%
HK$86,509
baseline
▲ 0.50% · 4.625%
HK$91,069
+HK$4,560/mo
Deposit HK$10.78M · loan HK$16.18M · min. income ≈ HK$173,018/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,145,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,072
−HK$5,397/mo
▼ 0.25% · 3.875%
HK$88,749
−HK$2,720/mo
Today · 4.125%
HK$91,469
baseline
▲ 0.50% · 4.625%
HK$97,035
+HK$5,566/mo
Deposit HK$8.09M · loan HK$18.87M · min. income ≈ HK$182,938/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,145,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,754
−HK$5,173/mo
▼ 0.25% · 3.875%
HK$98,322
−HK$2,605/mo
Today · 4.125%
HK$100,927
baseline
▲ 0.50% · 4.625%
HK$106,247
+HK$5,320/mo
Deposit HK$8.09M · loan HK$18.87M · min. income ≈ HK$201,854/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,145,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,663
−HK$6,940/mo
▼ 0.25% · 3.875%
HK$114,106
−HK$3,497/mo
Today · 4.125%
HK$117,603
baseline
▲ 0.50% · 4.625%
HK$124,759
+HK$7,156/mo
Deposit HK$2.70M · loan HK$24.27M · min. income ≈ HK$235,206/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,112
−HK$6,651/mo
▼ 0.25% · 3.875%
HK$126,414
−HK$3,349/mo
Today · 4.125%
HK$129,763
baseline
▲ 0.50% · 4.625%
HK$136,603
+HK$6,840/mo
Deposit HK$2.70M · loan HK$24.27M · min. income ≈ HK$259,526/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,874 · Scale 2, in force from 26 Feb 2026)