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$61,675
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$63,593
−HK$1,949/mo
Today · 4.125%
HK$65,542
baseline
▲ 0.50% · 4.625%
HK$69,530
+HK$3,988/mo
Deposit HK$13.52M · loan HK$13.52M · min. income ≈ HK$131,084/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,149,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,612
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$70,453
−HK$1,866/mo
Today · 4.125%
HK$72,319
baseline
▲ 0.50% · 4.625%
HK$76,131
+HK$3,812/mo
Deposit HK$13.52M · loan HK$13.52M · min. income ≈ HK$144,638/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,149,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,010
−HK$4,641/mo
▼ 0.25% · 3.875%
HK$76,312
−HK$2,339/mo
Today · 4.125%
HK$78,651
baseline
▲ 0.50% · 4.625%
HK$83,436
+HK$4,785/mo
Deposit HK$10.82M · loan HK$16.23M · min. income ≈ HK$157,302/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,149,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,335
−HK$4,448/mo
▼ 0.25% · 3.875%
HK$84,543
−HK$2,240/mo
Today · 4.125%
HK$86,783
baseline
▲ 0.50% · 4.625%
HK$91,358
+HK$4,575/mo
Deposit HK$10.82M · loan HK$16.23M · min. income ≈ HK$173,566/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,149,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,345
−HK$5,414/mo
▼ 0.25% · 3.875%
HK$89,030
−HK$2,729/mo
Today · 4.125%
HK$91,759
baseline
▲ 0.50% · 4.625%
HK$97,342
+HK$5,583/mo
Deposit HK$8.11M · loan HK$18.93M · min. income ≈ HK$183,518/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,149,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,057
−HK$5,190/mo
▼ 0.25% · 3.875%
HK$98,634
−HK$2,613/mo
Today · 4.125%
HK$101,247
baseline
▲ 0.50% · 4.625%
HK$106,584
+HK$5,337/mo
Deposit HK$8.11M · loan HK$18.93M · min. income ≈ HK$202,494/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,149,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,014
−HK$6,962/mo
▼ 0.25% · 3.875%
HK$114,468
−HK$3,508/mo
Today · 4.125%
HK$117,976
baseline
▲ 0.50% · 4.625%
HK$125,155
+HK$7,179/mo
Deposit HK$2.70M · loan HK$24.34M · min. income ≈ HK$235,952/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,149,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,502
−HK$6,673/mo
▼ 0.25% · 3.875%
HK$126,815
−HK$3,360/mo
Today · 4.125%
HK$130,175
baseline
▲ 0.50% · 4.625%
HK$137,037
+HK$6,862/mo
Deposit HK$2.70M · loan HK$24.34M · min. income ≈ HK$260,350/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,149,508 · Scale 2, in force from 26 Feb 2026)