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$61,499
−HK$3,856/mo
▼ 0.25% · 3.875%
HK$63,411
−HK$1,944/mo
Today · 4.125%
HK$65,355
baseline
▲ 0.50% · 4.625%
HK$69,332
+HK$3,977/mo
Deposit HK$13.49M · loan HK$13.49M · min. income ≈ HK$130,710/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,146,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,417
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$70,251
−HK$1,862/mo
Today · 4.125%
HK$72,113
baseline
▲ 0.50% · 4.625%
HK$75,914
+HK$3,801/mo
Deposit HK$13.49M · loan HK$13.49M · min. income ≈ HK$144,226/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,146,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,798
−HK$4,628/mo
▼ 0.25% · 3.875%
HK$76,094
−HK$2,332/mo
Today · 4.125%
HK$78,426
baseline
▲ 0.50% · 4.625%
HK$83,198
+HK$4,772/mo
Deposit HK$10.79M · loan HK$16.18M · min. income ≈ HK$156,852/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,146,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,100
−HK$4,435/mo
▼ 0.25% · 3.875%
HK$84,302
−HK$2,233/mo
Today · 4.125%
HK$86,535
baseline
▲ 0.50% · 4.625%
HK$91,097
+HK$4,562/mo
Deposit HK$10.79M · loan HK$16.18M · min. income ≈ HK$173,070/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,146,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,098
−HK$5,399/mo
▼ 0.25% · 3.875%
HK$88,776
−HK$2,721/mo
Today · 4.125%
HK$91,497
baseline
▲ 0.50% · 4.625%
HK$97,064
+HK$5,567/mo
Deposit HK$8.09M · loan HK$18.88M · min. income ≈ HK$182,994/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,146,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,783
−HK$5,175/mo
▼ 0.25% · 3.875%
HK$98,352
−HK$2,606/mo
Today · 4.125%
HK$100,958
baseline
▲ 0.50% · 4.625%
HK$106,280
+HK$5,322/mo
Deposit HK$8.09M · loan HK$18.88M · min. income ≈ HK$201,916/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,146,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,697
−HK$6,942/mo
▼ 0.25% · 3.875%
HK$114,141
−HK$3,498/mo
Today · 4.125%
HK$117,639
baseline
▲ 0.50% · 4.625%
HK$124,797
+HK$7,158/mo
Deposit HK$2.70M · loan HK$24.27M · min. income ≈ HK$235,278/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,146,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,150
−HK$6,653/mo
▼ 0.25% · 3.875%
HK$126,453
−HK$3,350/mo
Today · 4.125%
HK$129,803
baseline
▲ 0.50% · 4.625%
HK$136,645
+HK$6,842/mo
Deposit HK$2.70M · loan HK$24.27M · min. income ≈ HK$259,606/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,146,226 · Scale 2, in force from 26 Feb 2026)