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$61,651
−HK$3,866/mo
▼ 0.25% · 3.875%
HK$63,569
−HK$1,948/mo
Today · 4.125%
HK$65,517
baseline
▲ 0.50% · 4.625%
HK$69,504
+HK$3,987/mo
Deposit HK$13.52M · loan HK$13.52M · min. income ≈ HK$131,034/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,149,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,586
−HK$3,706/mo
▼ 0.25% · 3.875%
HK$70,426
−HK$1,866/mo
Today · 4.125%
HK$72,292
baseline
▲ 0.50% · 4.625%
HK$76,102
+HK$3,810/mo
Deposit HK$13.52M · loan HK$13.52M · min. income ≈ HK$144,584/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,149,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,981
−HK$4,640/mo
▼ 0.25% · 3.875%
HK$76,283
−HK$2,338/mo
Today · 4.125%
HK$78,621
baseline
▲ 0.50% · 4.625%
HK$83,405
+HK$4,784/mo
Deposit HK$10.81M · loan HK$16.22M · min. income ≈ HK$157,242/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,149,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,304
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$84,511
−HK$2,239/mo
Today · 4.125%
HK$86,750
baseline
▲ 0.50% · 4.625%
HK$91,323
+HK$4,573/mo
Deposit HK$10.81M · loan HK$16.22M · min. income ≈ HK$173,500/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,149,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,312
−HK$5,412/mo
▼ 0.25% · 3.875%
HK$88,996
−HK$2,728/mo
Today · 4.125%
HK$91,724
baseline
▲ 0.50% · 4.625%
HK$97,305
+HK$5,581/mo
Deposit HK$8.11M · loan HK$18.93M · min. income ≈ HK$183,448/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,149,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,021
−HK$5,188/mo
▼ 0.25% · 3.875%
HK$98,596
−HK$2,613/mo
Today · 4.125%
HK$101,209
baseline
▲ 0.50% · 4.625%
HK$106,543
+HK$5,334/mo
Deposit HK$8.11M · loan HK$18.93M · min. income ≈ HK$202,418/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,149,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,972
−HK$6,959/mo
▼ 0.25% · 3.875%
HK$114,424
−HK$3,507/mo
Today · 4.125%
HK$117,931
baseline
▲ 0.50% · 4.625%
HK$125,107
+HK$7,176/mo
Deposit HK$2.70M · loan HK$24.33M · min. income ≈ HK$235,862/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,149,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,455
−HK$6,670/mo
▼ 0.25% · 3.875%
HK$126,766
−HK$3,359/mo
Today · 4.125%
HK$130,125
baseline
▲ 0.50% · 4.625%
HK$136,984
+HK$6,859/mo
Deposit HK$2.70M · loan HK$24.33M · min. income ≈ HK$260,250/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,149,071 · Scale 2, in force from 26 Feb 2026)