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$61,316
−HK$3,845/mo
▼ 0.25% · 3.875%
HK$63,223
−HK$1,938/mo
Today · 4.125%
HK$65,161
baseline
▲ 0.50% · 4.625%
HK$69,126
+HK$3,965/mo
Deposit HK$13.45M · loan HK$13.45M · min. income ≈ HK$130,322/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,142,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,214
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$70,043
−HK$1,856/mo
Today · 4.125%
HK$71,899
baseline
▲ 0.50% · 4.625%
HK$75,689
+HK$3,790/mo
Deposit HK$13.45M · loan HK$13.45M · min. income ≈ HK$143,798/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,142,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,579
−HK$4,614/mo
▼ 0.25% · 3.875%
HK$75,868
−HK$2,325/mo
Today · 4.125%
HK$78,193
baseline
▲ 0.50% · 4.625%
HK$82,951
+HK$4,758/mo
Deposit HK$10.76M · loan HK$16.13M · min. income ≈ HK$156,386/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,142,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,856
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$84,052
−HK$2,227/mo
Today · 4.125%
HK$86,279
baseline
▲ 0.50% · 4.625%
HK$90,827
+HK$4,548/mo
Deposit HK$10.76M · loan HK$16.13M · min. income ≈ HK$172,558/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,142,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,843
−HK$5,383/mo
▼ 0.25% · 3.875%
HK$88,513
−HK$2,713/mo
Today · 4.125%
HK$91,226
baseline
▲ 0.50% · 4.625%
HK$96,776
+HK$5,550/mo
Deposit HK$8.07M · loan HK$18.82M · min. income ≈ HK$182,452/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,142,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,499
−HK$5,159/mo
▼ 0.25% · 3.875%
HK$98,060
−HK$2,598/mo
Today · 4.125%
HK$100,658
baseline
▲ 0.50% · 4.625%
HK$105,964
+HK$5,306/mo
Deposit HK$8.07M · loan HK$18.82M · min. income ≈ HK$201,316/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,142,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,369
−HK$6,921/mo
▼ 0.25% · 3.875%
HK$113,802
−HK$3,488/mo
Today · 4.125%
HK$117,290
baseline
▲ 0.50% · 4.625%
HK$124,427
+HK$7,137/mo
Deposit HK$2.69M · loan HK$24.20M · min. income ≈ HK$234,580/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,784
−HK$6,634/mo
▼ 0.25% · 3.875%
HK$126,077
−HK$3,341/mo
Today · 4.125%
HK$129,418
baseline
▲ 0.50% · 4.625%
HK$136,240
+HK$6,822/mo
Deposit HK$2.69M · loan HK$24.20M · min. income ≈ HK$258,836/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,826 · Scale 2, in force from 26 Feb 2026)