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$61,727
−HK$3,870/mo
▼ 0.25% · 3.875%
HK$63,647
−HK$1,950/mo
Today · 4.125%
HK$65,597
baseline
▲ 0.50% · 4.625%
HK$69,589
+HK$3,992/mo
Deposit HK$13.54M · loan HK$13.54M · min. income ≈ HK$131,194/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,150,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,670
−HK$3,710/mo
▼ 0.25% · 3.875%
HK$70,512
−HK$1,868/mo
Today · 4.125%
HK$72,380
baseline
▲ 0.50% · 4.625%
HK$76,196
+HK$3,816/mo
Deposit HK$13.54M · loan HK$13.54M · min. income ≈ HK$144,760/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,150,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,072
−HK$4,645/mo
▼ 0.25% · 3.875%
HK$76,376
−HK$2,341/mo
Today · 4.125%
HK$78,717
baseline
▲ 0.50% · 4.625%
HK$83,507
+HK$4,790/mo
Deposit HK$10.83M · loan HK$16.24M · min. income ≈ HK$157,434/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,150,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,404
−HK$4,452/mo
▼ 0.25% · 3.875%
HK$84,614
−HK$2,242/mo
Today · 4.125%
HK$86,856
baseline
▲ 0.50% · 4.625%
HK$91,435
+HK$4,579/mo
Deposit HK$10.83M · loan HK$16.24M · min. income ≈ HK$173,712/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,150,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,417
−HK$5,419/mo
▼ 0.25% · 3.875%
HK$89,105
−HK$2,731/mo
Today · 4.125%
HK$91,836
baseline
▲ 0.50% · 4.625%
HK$97,424
+HK$5,588/mo
Deposit HK$8.12M · loan HK$18.95M · min. income ≈ HK$183,672/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,150,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,138
−HK$5,194/mo
▼ 0.25% · 3.875%
HK$98,717
−HK$2,615/mo
Today · 4.125%
HK$101,332
baseline
▲ 0.50% · 4.625%
HK$106,674
+HK$5,342/mo
Deposit HK$8.12M · loan HK$18.95M · min. income ≈ HK$202,664/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,150,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,108
−HK$6,967/mo
▼ 0.25% · 3.875%
HK$114,564
−HK$3,511/mo
Today · 4.125%
HK$118,075
baseline
▲ 0.50% · 4.625%
HK$125,260
+HK$7,185/mo
Deposit HK$2.71M · loan HK$24.36M · min. income ≈ HK$236,150/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,606
−HK$6,678/mo
▼ 0.25% · 3.875%
HK$126,921
−HK$3,363/mo
Today · 4.125%
HK$130,284
baseline
▲ 0.50% · 4.625%
HK$137,152
+HK$6,868/mo
Deposit HK$2.71M · loan HK$24.36M · min. income ≈ HK$260,568/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,477 · Scale 2, in force from 26 Feb 2026)