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$61,642
−HK$3,865/mo
▼ 0.25% · 3.875%
HK$63,559
−HK$1,948/mo
Today · 4.125%
HK$65,507
baseline
▲ 0.50% · 4.625%
HK$69,493
+HK$3,986/mo
Deposit HK$13.52M · loan HK$13.52M · min. income ≈ HK$131,014/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,148,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,576
−HK$3,705/mo
▼ 0.25% · 3.875%
HK$70,415
−HK$1,866/mo
Today · 4.125%
HK$72,281
baseline
▲ 0.50% · 4.625%
HK$76,091
+HK$3,810/mo
Deposit HK$13.52M · loan HK$13.52M · min. income ≈ HK$144,562/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,148,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,970
−HK$4,638/mo
▼ 0.25% · 3.875%
HK$76,271
−HK$2,337/mo
Today · 4.125%
HK$78,608
baseline
▲ 0.50% · 4.625%
HK$83,392
+HK$4,784/mo
Deposit HK$10.81M · loan HK$16.22M · min. income ≈ HK$157,216/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,148,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,291
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$84,498
−HK$2,239/mo
Today · 4.125%
HK$86,737
baseline
▲ 0.50% · 4.625%
HK$91,309
+HK$4,572/mo
Deposit HK$10.81M · loan HK$16.22M · min. income ≈ HK$173,474/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,148,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,298
−HK$5,412/mo
▼ 0.25% · 3.875%
HK$88,983
−HK$2,727/mo
Today · 4.125%
HK$91,710
baseline
▲ 0.50% · 4.625%
HK$97,290
+HK$5,580/mo
Deposit HK$8.11M · loan HK$18.92M · min. income ≈ HK$183,420/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,148,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,006
−HK$5,187/mo
▼ 0.25% · 3.875%
HK$98,581
−HK$2,612/mo
Today · 4.125%
HK$101,193
baseline
▲ 0.50% · 4.625%
HK$106,527
+HK$5,334/mo
Deposit HK$8.11M · loan HK$18.92M · min. income ≈ HK$202,386/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,148,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,955
−HK$6,958/mo
▼ 0.25% · 3.875%
HK$114,406
−HK$3,507/mo
Today · 4.125%
HK$117,913
baseline
▲ 0.50% · 4.625%
HK$125,087
+HK$7,174/mo
Deposit HK$2.70M · loan HK$24.33M · min. income ≈ HK$235,826/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,436
−HK$6,669/mo
▼ 0.25% · 3.875%
HK$126,747
−HK$3,358/mo
Today · 4.125%
HK$130,105
baseline
▲ 0.50% · 4.625%
HK$136,963
+HK$6,858/mo
Deposit HK$2.70M · loan HK$24.33M · min. income ≈ HK$260,210/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,892 · Scale 2, in force from 26 Feb 2026)