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$61,520
−HK$3,858/mo
▼ 0.25% · 3.875%
HK$63,434
−HK$1,944/mo
Today · 4.125%
HK$65,378
baseline
▲ 0.50% · 4.625%
HK$69,356
+HK$3,978/mo
Deposit HK$13.49M · loan HK$13.49M · min. income ≈ HK$130,756/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,146,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,441
−HK$3,697/mo
▼ 0.25% · 3.875%
HK$70,276
−HK$1,862/mo
Today · 4.125%
HK$72,138
baseline
▲ 0.50% · 4.625%
HK$75,941
+HK$3,803/mo
Deposit HK$13.49M · loan HK$13.49M · min. income ≈ HK$144,276/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,146,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,824
−HK$4,630/mo
▼ 0.25% · 3.875%
HK$76,121
−HK$2,333/mo
Today · 4.125%
HK$78,454
baseline
▲ 0.50% · 4.625%
HK$83,227
+HK$4,773/mo
Deposit HK$10.79M · loan HK$16.19M · min. income ≈ HK$156,908/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,146,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,129
−HK$4,437/mo
▼ 0.25% · 3.875%
HK$84,331
−HK$2,235/mo
Today · 4.125%
HK$86,566
baseline
▲ 0.50% · 4.625%
HK$91,129
+HK$4,563/mo
Deposit HK$10.79M · loan HK$16.19M · min. income ≈ HK$173,132/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,146,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,128
−HK$5,401/mo
▼ 0.25% · 3.875%
HK$88,807
−HK$2,722/mo
Today · 4.125%
HK$91,529
baseline
▲ 0.50% · 4.625%
HK$97,099
+HK$5,570/mo
Deposit HK$8.09M · loan HK$18.89M · min. income ≈ HK$183,058/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,146,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,817
−HK$5,176/mo
▼ 0.25% · 3.875%
HK$98,387
−HK$2,606/mo
Today · 4.125%
HK$100,993
baseline
▲ 0.50% · 4.625%
HK$106,317
+HK$5,324/mo
Deposit HK$8.09M · loan HK$18.89M · min. income ≈ HK$201,986/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,146,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,736
−HK$6,944/mo
▼ 0.25% · 3.875%
HK$114,181
−HK$3,499/mo
Today · 4.125%
HK$117,680
baseline
▲ 0.50% · 4.625%
HK$124,841
+HK$7,161/mo
Deposit HK$2.70M · loan HK$24.28M · min. income ≈ HK$235,360/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,146,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,193
−HK$6,656/mo
▼ 0.25% · 3.875%
HK$126,497
−HK$3,352/mo
Today · 4.125%
HK$129,849
baseline
▲ 0.50% · 4.625%
HK$136,693
+HK$6,844/mo
Deposit HK$2.70M · loan HK$24.28M · min. income ≈ HK$259,698/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,146,629 · Scale 2, in force from 26 Feb 2026)