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$61,740
−HK$3,871/mo
▼ 0.25% · 3.875%
HK$63,660
−HK$1,951/mo
Today · 4.125%
HK$65,611
baseline
▲ 0.50% · 4.625%
HK$69,603
+HK$3,992/mo
Deposit HK$13.54M · loan HK$13.54M · min. income ≈ HK$131,222/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,150,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,685
−HK$3,710/mo
▼ 0.25% · 3.875%
HK$70,527
−HK$1,868/mo
Today · 4.125%
HK$72,395
baseline
▲ 0.50% · 4.625%
HK$76,212
+HK$3,817/mo
Deposit HK$13.54M · loan HK$13.54M · min. income ≈ HK$144,790/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,150,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,087
−HK$4,646/mo
▼ 0.25% · 3.875%
HK$76,392
−HK$2,341/mo
Today · 4.125%
HK$78,733
baseline
▲ 0.50% · 4.625%
HK$83,524
+HK$4,791/mo
Deposit HK$10.83M · loan HK$16.25M · min. income ≈ HK$157,466/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,150,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,422
−HK$4,453/mo
▼ 0.25% · 3.875%
HK$84,632
−HK$2,243/mo
Today · 4.125%
HK$86,875
baseline
▲ 0.50% · 4.625%
HK$91,454
+HK$4,579/mo
Deposit HK$10.83M · loan HK$16.25M · min. income ≈ HK$173,750/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,150,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,435
−HK$5,421/mo
▼ 0.25% · 3.875%
HK$89,124
−HK$2,732/mo
Today · 4.125%
HK$91,856
baseline
▲ 0.50% · 4.625%
HK$97,445
+HK$5,589/mo
Deposit HK$8.12M · loan HK$18.95M · min. income ≈ HK$183,712/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,150,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,158
−HK$5,196/mo
▼ 0.25% · 3.875%
HK$98,737
−HK$2,617/mo
Today · 4.125%
HK$101,354
baseline
▲ 0.50% · 4.625%
HK$106,696
+HK$5,342/mo
Deposit HK$8.12M · loan HK$18.95M · min. income ≈ HK$202,708/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,150,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,131
−HK$6,969/mo
▼ 0.25% · 3.875%
HK$114,588
−HK$3,512/mo
Today · 4.125%
HK$118,100
baseline
▲ 0.50% · 4.625%
HK$125,286
+HK$7,186/mo
Deposit HK$2.71M · loan HK$24.37M · min. income ≈ HK$236,200/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,632
−HK$6,680/mo
▼ 0.25% · 3.875%
HK$126,948
−HK$3,364/mo
Today · 4.125%
HK$130,312
baseline
▲ 0.50% · 4.625%
HK$137,181
+HK$6,869/mo
Deposit HK$2.71M · loan HK$24.37M · min. income ≈ HK$260,624/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,718 · Scale 2, in force from 26 Feb 2026)