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$61,655
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$63,573
−HK$1,949/mo
Today · 4.125%
HK$65,522
baseline
▲ 0.50% · 4.625%
HK$69,509
+HK$3,987/mo
Deposit HK$13.52M · loan HK$13.52M · min. income ≈ HK$131,044/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,149,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,591
−HK$3,706/mo
▼ 0.25% · 3.875%
HK$70,431
−HK$1,866/mo
Today · 4.125%
HK$72,297
baseline
▲ 0.50% · 4.625%
HK$76,108
+HK$3,811/mo
Deposit HK$13.52M · loan HK$13.52M · min. income ≈ HK$144,594/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,149,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,986
−HK$4,640/mo
▼ 0.25% · 3.875%
HK$76,288
−HK$2,338/mo
Today · 4.125%
HK$78,626
baseline
▲ 0.50% · 4.625%
HK$83,410
+HK$4,784/mo
Deposit HK$10.82M · loan HK$16.22M · min. income ≈ HK$157,252/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,149,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,309
−HK$4,447/mo
▼ 0.25% · 3.875%
HK$84,517
−HK$2,239/mo
Today · 4.125%
HK$86,756
baseline
▲ 0.50% · 4.625%
HK$91,329
+HK$4,573/mo
Deposit HK$10.82M · loan HK$16.22M · min. income ≈ HK$173,512/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,149,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,318
−HK$5,412/mo
▼ 0.25% · 3.875%
HK$89,003
−HK$2,727/mo
Today · 4.125%
HK$91,730
baseline
▲ 0.50% · 4.625%
HK$97,312
+HK$5,582/mo
Deposit HK$8.11M · loan HK$18.93M · min. income ≈ HK$183,460/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,149,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,027
−HK$5,188/mo
▼ 0.25% · 3.875%
HK$98,603
−HK$2,612/mo
Today · 4.125%
HK$101,215
baseline
▲ 0.50% · 4.625%
HK$106,551
+HK$5,336/mo
Deposit HK$8.11M · loan HK$18.93M · min. income ≈ HK$202,430/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,149,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,980
−HK$6,959/mo
▼ 0.25% · 3.875%
HK$114,432
−HK$3,507/mo
Today · 4.125%
HK$117,939
baseline
▲ 0.50% · 4.625%
HK$125,115
+HK$7,176/mo
Deposit HK$2.70M · loan HK$24.33M · min. income ≈ HK$235,878/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,149,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,464
−HK$6,670/mo
▼ 0.25% · 3.875%
HK$126,775
−HK$3,359/mo
Today · 4.125%
HK$130,134
baseline
▲ 0.50% · 4.625%
HK$136,994
+HK$6,860/mo
Deposit HK$2.70M · loan HK$24.33M · min. income ≈ HK$260,268/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,149,150 · Scale 2, in force from 26 Feb 2026)