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$61,448
−HK$3,854/mo
▼ 0.25% · 3.875%
HK$63,360
−HK$1,942/mo
Today · 4.125%
HK$65,302
baseline
▲ 0.50% · 4.625%
HK$69,275
+HK$3,973/mo
Deposit HK$13.47M · loan HK$13.47M · min. income ≈ HK$130,604/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,145,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,361
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$70,194
−HK$1,860/mo
Today · 4.125%
HK$72,054
baseline
▲ 0.50% · 4.625%
HK$75,852
+HK$3,798/mo
Deposit HK$13.47M · loan HK$13.47M · min. income ≈ HK$144,108/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,145,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,738
−HK$4,624/mo
▼ 0.25% · 3.875%
HK$76,032
−HK$2,330/mo
Today · 4.125%
HK$78,362
baseline
▲ 0.50% · 4.625%
HK$83,130
+HK$4,768/mo
Deposit HK$10.78M · loan HK$16.17M · min. income ≈ HK$156,724/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,145,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,033
−HK$4,432/mo
▼ 0.25% · 3.875%
HK$84,233
−HK$2,232/mo
Today · 4.125%
HK$86,465
baseline
▲ 0.50% · 4.625%
HK$91,023
+HK$4,558/mo
Deposit HK$10.78M · loan HK$16.17M · min. income ≈ HK$172,930/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,145,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,028
−HK$5,395/mo
▼ 0.25% · 3.875%
HK$88,704
−HK$2,719/mo
Today · 4.125%
HK$91,423
baseline
▲ 0.50% · 4.625%
HK$96,985
+HK$5,562/mo
Deposit HK$8.08M · loan HK$18.86M · min. income ≈ HK$182,846/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,145,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,705
−HK$5,171/mo
▼ 0.25% · 3.875%
HK$98,272
−HK$2,604/mo
Today · 4.125%
HK$100,876
baseline
▲ 0.50% · 4.625%
HK$106,193
+HK$5,317/mo
Deposit HK$8.08M · loan HK$18.86M · min. income ≈ HK$201,752/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,145,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,607
−HK$6,936/mo
▼ 0.25% · 3.875%
HK$114,048
−HK$3,495/mo
Today · 4.125%
HK$117,543
baseline
▲ 0.50% · 4.625%
HK$124,696
+HK$7,153/mo
Deposit HK$2.69M · loan HK$24.25M · min. income ≈ HK$235,086/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,049
−HK$6,648/mo
▼ 0.25% · 3.875%
HK$126,350
−HK$3,347/mo
Today · 4.125%
HK$129,697
baseline
▲ 0.50% · 4.625%
HK$136,534
+HK$6,837/mo
Deposit HK$2.69M · loan HK$24.25M · min. income ≈ HK$259,394/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,293 · Scale 2, in force from 26 Feb 2026)