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$61,314
−HK$3,845/mo
▼ 0.25% · 3.875%
HK$63,222
−HK$1,937/mo
Today · 4.125%
HK$65,159
baseline
▲ 0.50% · 4.625%
HK$69,124
+HK$3,965/mo
Deposit HK$13.44M · loan HK$13.44M · min. income ≈ HK$130,318/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,142,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,212
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$70,041
−HK$1,856/mo
Today · 4.125%
HK$71,897
baseline
▲ 0.50% · 4.625%
HK$75,687
+HK$3,790/mo
Deposit HK$13.44M · loan HK$13.44M · min. income ≈ HK$143,794/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,142,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,577
−HK$4,614/mo
▼ 0.25% · 3.875%
HK$75,866
−HK$2,325/mo
Today · 4.125%
HK$78,191
baseline
▲ 0.50% · 4.625%
HK$82,949
+HK$4,758/mo
Deposit HK$10.76M · loan HK$16.13M · min. income ≈ HK$156,382/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,142,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,854
−HK$4,422/mo
▼ 0.25% · 3.875%
HK$84,049
−HK$2,227/mo
Today · 4.125%
HK$86,276
baseline
▲ 0.50% · 4.625%
HK$90,824
+HK$4,548/mo
Deposit HK$10.76M · loan HK$16.13M · min. income ≈ HK$172,552/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,142,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,840
−HK$5,383/mo
▼ 0.25% · 3.875%
HK$88,510
−HK$2,713/mo
Today · 4.125%
HK$91,223
baseline
▲ 0.50% · 4.625%
HK$96,774
+HK$5,551/mo
Deposit HK$8.07M · loan HK$18.82M · min. income ≈ HK$182,446/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,142,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,496
−HK$5,160/mo
▼ 0.25% · 3.875%
HK$98,057
−HK$2,599/mo
Today · 4.125%
HK$100,656
baseline
▲ 0.50% · 4.625%
HK$105,961
+HK$5,305/mo
Deposit HK$8.07M · loan HK$18.82M · min. income ≈ HK$201,312/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,142,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,366
−HK$6,921/mo
▼ 0.25% · 3.875%
HK$113,799
−HK$3,488/mo
Today · 4.125%
HK$117,287
baseline
▲ 0.50% · 4.625%
HK$124,423
+HK$7,136/mo
Deposit HK$2.69M · loan HK$24.20M · min. income ≈ HK$234,574/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,781
−HK$6,633/mo
▼ 0.25% · 3.875%
HK$126,074
−HK$3,340/mo
Today · 4.125%
HK$129,414
baseline
▲ 0.50% · 4.625%
HK$136,236
+HK$6,822/mo
Deposit HK$2.69M · loan HK$24.20M · min. income ≈ HK$258,828/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,794 · Scale 2, in force from 26 Feb 2026)