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$61,082
−HK$3,830/mo
▼ 0.25% · 3.875%
HK$62,982
−HK$1,930/mo
Today · 4.125%
HK$64,912
baseline
▲ 0.50% · 4.625%
HK$68,862
+HK$3,950/mo
Deposit HK$13.39M · loan HK$13.39M · min. income ≈ HK$129,824/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,138,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,953
−HK$3,671/mo
▼ 0.25% · 3.875%
HK$69,776
−HK$1,848/mo
Today · 4.125%
HK$71,624
baseline
▲ 0.50% · 4.625%
HK$75,400
+HK$3,776/mo
Deposit HK$13.39M · loan HK$13.39M · min. income ≈ HK$143,248/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,138,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,298
−HK$4,597/mo
▼ 0.25% · 3.875%
HK$75,578
−HK$2,317/mo
Today · 4.125%
HK$77,895
baseline
▲ 0.50% · 4.625%
HK$82,635
+HK$4,740/mo
Deposit HK$10.71M · loan HK$16.07M · min. income ≈ HK$155,790/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,138,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,544
−HK$4,405/mo
▼ 0.25% · 3.875%
HK$83,731
−HK$2,218/mo
Today · 4.125%
HK$85,949
baseline
▲ 0.50% · 4.625%
HK$90,480
+HK$4,531/mo
Deposit HK$10.71M · loan HK$16.07M · min. income ≈ HK$171,898/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,138,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,515
−HK$5,362/mo
▼ 0.25% · 3.875%
HK$88,175
−HK$2,702/mo
Today · 4.125%
HK$90,877
baseline
▲ 0.50% · 4.625%
HK$96,407
+HK$5,530/mo
Deposit HK$8.04M · loan HK$18.75M · min. income ≈ HK$181,754/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,138,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,134
−HK$5,140/mo
▼ 0.25% · 3.875%
HK$97,686
−HK$2,588/mo
Today · 4.125%
HK$100,274
baseline
▲ 0.50% · 4.625%
HK$105,560
+HK$5,286/mo
Deposit HK$8.04M · loan HK$18.75M · min. income ≈ HK$200,548/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,138,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,948
−HK$6,894/mo
▼ 0.25% · 3.875%
HK$113,368
−HK$3,474/mo
Today · 4.125%
HK$116,842
baseline
▲ 0.50% · 4.625%
HK$123,952
+HK$7,110/mo
Deposit HK$2.68M · loan HK$24.11M · min. income ≈ HK$233,684/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,316
−HK$6,608/mo
▼ 0.25% · 3.875%
HK$125,596
−HK$3,328/mo
Today · 4.125%
HK$128,924
baseline
▲ 0.50% · 4.625%
HK$135,720
+HK$6,796/mo
Deposit HK$2.68M · loan HK$24.11M · min. income ≈ HK$257,848/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,464 · Scale 2, in force from 26 Feb 2026)