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$61,747
−HK$3,872/mo
▼ 0.25% · 3.875%
HK$63,668
−HK$1,951/mo
Today · 4.125%
HK$65,619
baseline
▲ 0.50% · 4.625%
HK$69,612
+HK$3,993/mo
Deposit HK$13.54M · loan HK$13.54M · min. income ≈ HK$131,238/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,150,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,693
−HK$3,711/mo
▼ 0.25% · 3.875%
HK$70,536
−HK$1,868/mo
Today · 4.125%
HK$72,404
baseline
▲ 0.50% · 4.625%
HK$76,221
+HK$3,817/mo
Deposit HK$13.54M · loan HK$13.54M · min. income ≈ HK$144,808/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,150,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,097
−HK$4,646/mo
▼ 0.25% · 3.875%
HK$76,402
−HK$2,341/mo
Today · 4.125%
HK$78,743
baseline
▲ 0.50% · 4.625%
HK$83,535
+HK$4,792/mo
Deposit HK$10.83M · loan HK$16.25M · min. income ≈ HK$157,486/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,150,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,432
−HK$4,453/mo
▼ 0.25% · 3.875%
HK$84,643
−HK$2,242/mo
Today · 4.125%
HK$86,885
baseline
▲ 0.50% · 4.625%
HK$91,465
+HK$4,580/mo
Deposit HK$10.83M · loan HK$16.25M · min. income ≈ HK$173,770/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,150,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,446
−HK$5,421/mo
▼ 0.25% · 3.875%
HK$89,135
−HK$2,732/mo
Today · 4.125%
HK$91,867
baseline
▲ 0.50% · 4.625%
HK$97,457
+HK$5,590/mo
Deposit HK$8.12M · loan HK$18.96M · min. income ≈ HK$183,734/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,150,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,170
−HK$5,196/mo
▼ 0.25% · 3.875%
HK$98,750
−HK$2,616/mo
Today · 4.125%
HK$101,366
baseline
▲ 0.50% · 4.625%
HK$106,709
+HK$5,343/mo
Deposit HK$8.12M · loan HK$18.96M · min. income ≈ HK$202,732/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,150,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,145
−HK$6,970/mo
▼ 0.25% · 3.875%
HK$114,602
−HK$3,513/mo
Today · 4.125%
HK$118,115
baseline
▲ 0.50% · 4.625%
HK$125,302
+HK$7,187/mo
Deposit HK$2.71M · loan HK$24.37M · min. income ≈ HK$236,230/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,648
−HK$6,680/mo
▼ 0.25% · 3.875%
HK$126,964
−HK$3,364/mo
Today · 4.125%
HK$130,328
baseline
▲ 0.50% · 4.625%
HK$137,198
+HK$6,870/mo
Deposit HK$2.71M · loan HK$24.37M · min. income ≈ HK$260,656/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,862 · Scale 2, in force from 26 Feb 2026)