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$61,352
−HK$3,847/mo
▼ 0.25% · 3.875%
HK$63,260
−HK$1,939/mo
Today · 4.125%
HK$65,199
baseline
▲ 0.50% · 4.625%
HK$69,167
+HK$3,968/mo
Deposit HK$13.45M · loan HK$13.45M · min. income ≈ HK$130,398/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,143,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,254
−HK$3,687/mo
▼ 0.25% · 3.875%
HK$70,084
−HK$1,857/mo
Today · 4.125%
HK$71,941
baseline
▲ 0.50% · 4.625%
HK$75,733
+HK$3,792/mo
Deposit HK$13.45M · loan HK$13.45M · min. income ≈ HK$143,882/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,143,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,622
−HK$4,617/mo
▼ 0.25% · 3.875%
HK$75,912
−HK$2,327/mo
Today · 4.125%
HK$78,239
baseline
▲ 0.50% · 4.625%
HK$83,000
+HK$4,761/mo
Deposit HK$10.76M · loan HK$16.14M · min. income ≈ HK$156,478/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,143,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,904
−HK$4,425/mo
▼ 0.25% · 3.875%
HK$84,101
−HK$2,228/mo
Today · 4.125%
HK$86,329
baseline
▲ 0.50% · 4.625%
HK$90,880
+HK$4,551/mo
Deposit HK$10.76M · loan HK$16.14M · min. income ≈ HK$172,658/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,143,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,893
−HK$5,386/mo
▼ 0.25% · 3.875%
HK$88,565
−HK$2,714/mo
Today · 4.125%
HK$91,279
baseline
▲ 0.50% · 4.625%
HK$96,833
+HK$5,554/mo
Deposit HK$8.07M · loan HK$18.83M · min. income ≈ HK$182,558/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,143,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,555
−HK$5,162/mo
▼ 0.25% · 3.875%
HK$98,118
−HK$2,599/mo
Today · 4.125%
HK$100,717
baseline
▲ 0.50% · 4.625%
HK$106,026
+HK$5,309/mo
Deposit HK$8.07M · loan HK$18.83M · min. income ≈ HK$201,434/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,143,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,434
−HK$6,925/mo
▼ 0.25% · 3.875%
HK$113,869
−HK$3,490/mo
Today · 4.125%
HK$117,359
baseline
▲ 0.50% · 4.625%
HK$124,500
+HK$7,141/mo
Deposit HK$2.69M · loan HK$24.22M · min. income ≈ HK$234,718/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,143,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,856
−HK$6,638/mo
▼ 0.25% · 3.875%
HK$126,151
−HK$3,343/mo
Today · 4.125%
HK$129,494
baseline
▲ 0.50% · 4.625%
HK$136,320
+HK$6,826/mo
Deposit HK$2.69M · loan HK$24.22M · min. income ≈ HK$258,988/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,143,495 · Scale 2, in force from 26 Feb 2026)