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$61,519
−HK$3,857/mo
▼ 0.25% · 3.875%
HK$63,432
−HK$1,944/mo
Today · 4.125%
HK$65,376
baseline
▲ 0.50% · 4.625%
HK$69,354
+HK$3,978/mo
Deposit HK$13.49M · loan HK$13.49M · min. income ≈ HK$130,752/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,146,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,439
−HK$3,697/mo
▼ 0.25% · 3.875%
HK$70,274
−HK$1,862/mo
Today · 4.125%
HK$72,136
baseline
▲ 0.50% · 4.625%
HK$75,939
+HK$3,803/mo
Deposit HK$13.49M · loan HK$13.49M · min. income ≈ HK$144,272/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,146,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,822
−HK$4,630/mo
▼ 0.25% · 3.875%
HK$76,119
−HK$2,333/mo
Today · 4.125%
HK$78,452
baseline
▲ 0.50% · 4.625%
HK$83,225
+HK$4,773/mo
Deposit HK$10.79M · loan HK$16.19M · min. income ≈ HK$156,904/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,146,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,126
−HK$4,438/mo
▼ 0.25% · 3.875%
HK$84,329
−HK$2,235/mo
Today · 4.125%
HK$86,564
baseline
▲ 0.50% · 4.625%
HK$91,126
+HK$4,562/mo
Deposit HK$10.79M · loan HK$16.19M · min. income ≈ HK$173,128/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,146,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,126
−HK$5,401/mo
▼ 0.25% · 3.875%
HK$88,805
−HK$2,722/mo
Today · 4.125%
HK$91,527
baseline
▲ 0.50% · 4.625%
HK$97,096
+HK$5,569/mo
Deposit HK$8.09M · loan HK$18.89M · min. income ≈ HK$183,054/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,146,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,814
−HK$5,177/mo
▼ 0.25% · 3.875%
HK$98,384
−HK$2,607/mo
Today · 4.125%
HK$100,991
baseline
▲ 0.50% · 4.625%
HK$106,314
+HK$5,323/mo
Deposit HK$8.09M · loan HK$18.89M · min. income ≈ HK$201,982/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,146,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,733
−HK$6,944/mo
▼ 0.25% · 3.875%
HK$114,178
−HK$3,499/mo
Today · 4.125%
HK$117,677
baseline
▲ 0.50% · 4.625%
HK$124,838
+HK$7,161/mo
Deposit HK$2.70M · loan HK$24.28M · min. income ≈ HK$235,354/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,146,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,190
−HK$6,655/mo
▼ 0.25% · 3.875%
HK$126,494
−HK$3,351/mo
Today · 4.125%
HK$129,845
baseline
▲ 0.50% · 4.625%
HK$136,690
+HK$6,845/mo
Deposit HK$2.70M · loan HK$24.28M · min. income ≈ HK$259,690/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,146,598 · Scale 2, in force from 26 Feb 2026)