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$61,684
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$63,603
−HK$1,950/mo
Today · 4.125%
HK$65,553
baseline
▲ 0.50% · 4.625%
HK$69,541
+HK$3,988/mo
Deposit HK$13.53M · loan HK$13.53M · min. income ≈ HK$131,106/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,149,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,623
−HK$3,708/mo
▼ 0.25% · 3.875%
HK$70,464
−HK$1,867/mo
Today · 4.125%
HK$72,331
baseline
▲ 0.50% · 4.625%
HK$76,143
+HK$3,812/mo
Deposit HK$13.53M · loan HK$13.53M · min. income ≈ HK$144,662/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,149,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,021
−HK$4,642/mo
▼ 0.25% · 3.875%
HK$76,324
−HK$2,339/mo
Today · 4.125%
HK$78,663
baseline
▲ 0.50% · 4.625%
HK$83,450
+HK$4,787/mo
Deposit HK$10.82M · loan HK$16.23M · min. income ≈ HK$157,326/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,149,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,348
−HK$4,449/mo
▼ 0.25% · 3.875%
HK$84,557
−HK$2,240/mo
Today · 4.125%
HK$86,797
baseline
▲ 0.50% · 4.625%
HK$91,372
+HK$4,575/mo
Deposit HK$10.82M · loan HK$16.23M · min. income ≈ HK$173,594/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,149,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,358
−HK$5,416/mo
▼ 0.25% · 3.875%
HK$89,044
−HK$2,730/mo
Today · 4.125%
HK$91,774
baseline
▲ 0.50% · 4.625%
HK$97,358
+HK$5,584/mo
Deposit HK$8.12M · loan HK$18.94M · min. income ≈ HK$183,548/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,149,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,073
−HK$5,190/mo
▼ 0.25% · 3.875%
HK$98,649
−HK$2,614/mo
Today · 4.125%
HK$101,263
baseline
▲ 0.50% · 4.625%
HK$106,601
+HK$5,338/mo
Deposit HK$8.12M · loan HK$18.94M · min. income ≈ HK$202,526/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,149,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,032
−HK$6,963/mo
▼ 0.25% · 3.875%
HK$114,486
−HK$3,509/mo
Today · 4.125%
HK$117,995
baseline
▲ 0.50% · 4.625%
HK$125,174
+HK$7,179/mo
Deposit HK$2.71M · loan HK$24.35M · min. income ≈ HK$235,990/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,149,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,522
−HK$6,673/mo
▼ 0.25% · 3.875%
HK$126,835
−HK$3,360/mo
Today · 4.125%
HK$130,195
baseline
▲ 0.50% · 4.625%
HK$137,058
+HK$6,863/mo
Deposit HK$2.71M · loan HK$24.35M · min. income ≈ HK$260,390/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,149,691 · Scale 2, in force from 26 Feb 2026)