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$61,676
−HK$3,868/mo
▼ 0.25% · 3.875%
HK$63,595
−HK$1,949/mo
Today · 4.125%
HK$65,544
baseline
▲ 0.50% · 4.625%
HK$69,532
+HK$3,988/mo
Deposit HK$13.52M · loan HK$13.52M · min. income ≈ HK$131,088/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,149,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,614
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$70,454
−HK$1,867/mo
Today · 4.125%
HK$72,321
baseline
▲ 0.50% · 4.625%
HK$76,133
+HK$3,812/mo
Deposit HK$13.52M · loan HK$13.52M · min. income ≈ HK$144,642/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,149,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,011
−HK$4,642/mo
▼ 0.25% · 3.875%
HK$76,314
−HK$2,339/mo
Today · 4.125%
HK$78,653
baseline
▲ 0.50% · 4.625%
HK$83,438
+HK$4,785/mo
Deposit HK$10.82M · loan HK$16.23M · min. income ≈ HK$157,306/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,149,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,337
−HK$4,448/mo
▼ 0.25% · 3.875%
HK$84,545
−HK$2,240/mo
Today · 4.125%
HK$86,785
baseline
▲ 0.50% · 4.625%
HK$91,360
+HK$4,575/mo
Deposit HK$10.82M · loan HK$16.23M · min. income ≈ HK$173,570/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,149,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,347
−HK$5,414/mo
▼ 0.25% · 3.875%
HK$89,032
−HK$2,729/mo
Today · 4.125%
HK$91,761
baseline
▲ 0.50% · 4.625%
HK$97,345
+HK$5,584/mo
Deposit HK$8.11M · loan HK$18.93M · min. income ≈ HK$183,522/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,149,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,060
−HK$5,189/mo
▼ 0.25% · 3.875%
HK$98,636
−HK$2,613/mo
Today · 4.125%
HK$101,249
baseline
▲ 0.50% · 4.625%
HK$106,586
+HK$5,337/mo
Deposit HK$8.11M · loan HK$18.93M · min. income ≈ HK$202,498/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,149,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,017
−HK$6,962/mo
▼ 0.25% · 3.875%
HK$114,470
−HK$3,509/mo
Today · 4.125%
HK$117,979
baseline
▲ 0.50% · 4.625%
HK$125,157
+HK$7,178/mo
Deposit HK$2.70M · loan HK$24.34M · min. income ≈ HK$235,958/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,149,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,505
−HK$6,673/mo
▼ 0.25% · 3.875%
HK$126,818
−HK$3,360/mo
Today · 4.125%
HK$130,178
baseline
▲ 0.50% · 4.625%
HK$137,040
+HK$6,862/mo
Deposit HK$2.70M · loan HK$24.34M · min. income ≈ HK$260,356/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,149,536 · Scale 2, in force from 26 Feb 2026)