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$61,532
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$63,446
−HK$1,945/mo
Today · 4.125%
HK$65,391
baseline
▲ 0.50% · 4.625%
HK$69,370
+HK$3,979/mo
Deposit HK$13.49M · loan HK$13.49M · min. income ≈ HK$130,782/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,146,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,454
−HK$3,699/mo
▼ 0.25% · 3.875%
HK$70,290
−HK$1,863/mo
Today · 4.125%
HK$72,153
baseline
▲ 0.50% · 4.625%
HK$75,956
+HK$3,803/mo
Deposit HK$13.49M · loan HK$13.49M · min. income ≈ HK$144,306/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,146,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,839
−HK$4,630/mo
▼ 0.25% · 3.875%
HK$76,136
−HK$2,333/mo
Today · 4.125%
HK$78,469
baseline
▲ 0.50% · 4.625%
HK$83,244
+HK$4,775/mo
Deposit HK$10.79M · loan HK$16.19M · min. income ≈ HK$156,938/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,146,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,145
−HK$4,438/mo
▼ 0.25% · 3.875%
HK$84,348
−HK$2,235/mo
Today · 4.125%
HK$86,583
baseline
▲ 0.50% · 4.625%
HK$91,147
+HK$4,564/mo
Deposit HK$10.79M · loan HK$16.19M · min. income ≈ HK$173,166/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,146,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,145
−HK$5,402/mo
▼ 0.25% · 3.875%
HK$88,825
−HK$2,722/mo
Today · 4.125%
HK$91,547
baseline
▲ 0.50% · 4.625%
HK$97,118
+HK$5,571/mo
Deposit HK$8.10M · loan HK$18.89M · min. income ≈ HK$183,094/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,146,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,836
−HK$5,178/mo
▼ 0.25% · 3.875%
HK$98,406
−HK$2,608/mo
Today · 4.125%
HK$101,014
baseline
▲ 0.50% · 4.625%
HK$106,338
+HK$5,324/mo
Deposit HK$8.10M · loan HK$18.89M · min. income ≈ HK$202,028/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,146,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,758
−HK$6,946/mo
▼ 0.25% · 3.875%
HK$114,204
−HK$3,500/mo
Today · 4.125%
HK$117,704
baseline
▲ 0.50% · 4.625%
HK$124,866
+HK$7,162/mo
Deposit HK$2.70M · loan HK$24.29M · min. income ≈ HK$235,408/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,146,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,218
−HK$6,657/mo
▼ 0.25% · 3.875%
HK$126,522
−HK$3,353/mo
Today · 4.125%
HK$129,875
baseline
▲ 0.50% · 4.625%
HK$136,721
+HK$6,846/mo
Deposit HK$2.70M · loan HK$24.29M · min. income ≈ HK$259,750/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,146,858 · Scale 2, in force from 26 Feb 2026)