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$61,314
−HK$3,845/mo
▼ 0.25% · 3.875%
HK$63,221
−HK$1,938/mo
Today · 4.125%
HK$65,159
baseline
▲ 0.50% · 4.625%
HK$69,124
+HK$3,965/mo
Deposit HK$13.44M · loan HK$13.44M · min. income ≈ HK$130,318/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,142,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,211
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$70,041
−HK$1,855/mo
Today · 4.125%
HK$71,896
baseline
▲ 0.50% · 4.625%
HK$75,686
+HK$3,790/mo
Deposit HK$13.44M · loan HK$13.44M · min. income ≈ HK$143,792/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,142,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,577
−HK$4,614/mo
▼ 0.25% · 3.875%
HK$75,865
−HK$2,326/mo
Today · 4.125%
HK$78,191
baseline
▲ 0.50% · 4.625%
HK$82,948
+HK$4,757/mo
Deposit HK$10.76M · loan HK$16.13M · min. income ≈ HK$156,382/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,142,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,853
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$84,049
−HK$2,227/mo
Today · 4.125%
HK$86,276
baseline
▲ 0.50% · 4.625%
HK$90,823
+HK$4,547/mo
Deposit HK$10.76M · loan HK$16.13M · min. income ≈ HK$172,552/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,142,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,840
−HK$5,382/mo
▼ 0.25% · 3.875%
HK$88,510
−HK$2,712/mo
Today · 4.125%
HK$91,222
baseline
▲ 0.50% · 4.625%
HK$96,773
+HK$5,551/mo
Deposit HK$8.07M · loan HK$18.82M · min. income ≈ HK$182,444/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,142,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,496
−HK$5,159/mo
▼ 0.25% · 3.875%
HK$98,057
−HK$2,598/mo
Today · 4.125%
HK$100,655
baseline
▲ 0.50% · 4.625%
HK$105,961
+HK$5,306/mo
Deposit HK$8.07M · loan HK$18.82M · min. income ≈ HK$201,310/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,142,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,365
−HK$6,921/mo
▼ 0.25% · 3.875%
HK$113,798
−HK$3,488/mo
Today · 4.125%
HK$117,286
baseline
▲ 0.50% · 4.625%
HK$124,423
+HK$7,137/mo
Deposit HK$2.69M · loan HK$24.20M · min. income ≈ HK$234,572/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,780
−HK$6,634/mo
▼ 0.25% · 3.875%
HK$126,073
−HK$3,341/mo
Today · 4.125%
HK$129,414
baseline
▲ 0.50% · 4.625%
HK$136,235
+HK$6,821/mo
Deposit HK$2.69M · loan HK$24.20M · min. income ≈ HK$258,828/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,786 · Scale 2, in force from 26 Feb 2026)