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$61,696
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$63,615
−HK$1,950/mo
Today · 4.125%
HK$65,565
baseline
▲ 0.50% · 4.625%
HK$69,554
+HK$3,989/mo
Deposit HK$13.53M · loan HK$13.53M · min. income ≈ HK$131,130/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,149,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,636
−HK$3,708/mo
▼ 0.25% · 3.875%
HK$70,477
−HK$1,867/mo
Today · 4.125%
HK$72,344
baseline
▲ 0.50% · 4.625%
HK$76,158
+HK$3,814/mo
Deposit HK$13.53M · loan HK$13.53M · min. income ≈ HK$144,688/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,149,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,035
−HK$4,643/mo
▼ 0.25% · 3.875%
HK$76,338
−HK$2,340/mo
Today · 4.125%
HK$78,678
baseline
▲ 0.50% · 4.625%
HK$83,465
+HK$4,787/mo
Deposit HK$10.82M · loan HK$16.23M · min. income ≈ HK$157,356/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,149,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,363
−HK$4,450/mo
▼ 0.25% · 3.875%
HK$84,572
−HK$2,241/mo
Today · 4.125%
HK$86,813
baseline
▲ 0.50% · 4.625%
HK$91,389
+HK$4,576/mo
Deposit HK$10.82M · loan HK$16.23M · min. income ≈ HK$173,626/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,149,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,374
−HK$5,417/mo
▼ 0.25% · 3.875%
HK$89,061
−HK$2,730/mo
Today · 4.125%
HK$91,791
baseline
▲ 0.50% · 4.625%
HK$97,376
+HK$5,585/mo
Deposit HK$8.12M · loan HK$18.94M · min. income ≈ HK$183,582/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,149,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,090
−HK$5,192/mo
▼ 0.25% · 3.875%
HK$98,668
−HK$2,614/mo
Today · 4.125%
HK$101,282
baseline
▲ 0.50% · 4.625%
HK$106,621
+HK$5,339/mo
Deposit HK$8.12M · loan HK$18.94M · min. income ≈ HK$202,564/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,149,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,053
−HK$6,964/mo
▼ 0.25% · 3.875%
HK$114,507
−HK$3,510/mo
Today · 4.125%
HK$118,017
baseline
▲ 0.50% · 4.625%
HK$125,198
+HK$7,181/mo
Deposit HK$2.71M · loan HK$24.35M · min. income ≈ HK$236,034/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,149,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,545
−HK$6,675/mo
▼ 0.25% · 3.875%
HK$126,858
−HK$3,362/mo
Today · 4.125%
HK$130,220
baseline
▲ 0.50% · 4.625%
HK$137,084
+HK$6,864/mo
Deposit HK$2.71M · loan HK$24.35M · min. income ≈ HK$260,440/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,149,904 · Scale 2, in force from 26 Feb 2026)