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$61,624
−HK$3,865/mo
▼ 0.25% · 3.875%
HK$63,541
−HK$1,948/mo
Today · 4.125%
HK$65,489
baseline
▲ 0.50% · 4.625%
HK$69,474
+HK$3,985/mo
Deposit HK$13.51M · loan HK$13.51M · min. income ≈ HK$130,978/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,148,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,556
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$70,395
−HK$1,865/mo
Today · 4.125%
HK$72,260
baseline
▲ 0.50% · 4.625%
HK$76,069
+HK$3,809/mo
Deposit HK$13.51M · loan HK$13.51M · min. income ≈ HK$144,520/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,148,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,949
−HK$4,637/mo
▼ 0.25% · 3.875%
HK$76,249
−HK$2,337/mo
Today · 4.125%
HK$78,586
baseline
▲ 0.50% · 4.625%
HK$83,368
+HK$4,782/mo
Deposit HK$10.81M · loan HK$16.22M · min. income ≈ HK$157,172/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,148,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,268
−HK$4,444/mo
▼ 0.25% · 3.875%
HK$84,474
−HK$2,238/mo
Today · 4.125%
HK$86,712
baseline
▲ 0.50% · 4.625%
HK$91,283
+HK$4,571/mo
Deposit HK$10.81M · loan HK$16.22M · min. income ≈ HK$173,424/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,148,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,274
−HK$5,410/mo
▼ 0.25% · 3.875%
HK$88,958
−HK$2,726/mo
Today · 4.125%
HK$91,684
baseline
▲ 0.50% · 4.625%
HK$97,263
+HK$5,579/mo
Deposit HK$8.11M · loan HK$18.92M · min. income ≈ HK$183,368/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,148,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,979
−HK$5,185/mo
▼ 0.25% · 3.875%
HK$98,553
−HK$2,611/mo
Today · 4.125%
HK$101,164
baseline
▲ 0.50% · 4.625%
HK$106,497
+HK$5,333/mo
Deposit HK$8.11M · loan HK$18.92M · min. income ≈ HK$202,328/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,148,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,924
−HK$6,956/mo
▼ 0.25% · 3.875%
HK$114,374
−HK$3,506/mo
Today · 4.125%
HK$117,880
baseline
▲ 0.50% · 4.625%
HK$125,052
+HK$7,172/mo
Deposit HK$2.70M · loan HK$24.32M · min. income ≈ HK$235,760/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,402
−HK$6,667/mo
▼ 0.25% · 3.875%
HK$126,711
−HK$3,358/mo
Today · 4.125%
HK$130,069
baseline
▲ 0.50% · 4.625%
HK$136,925
+HK$6,856/mo
Deposit HK$2.70M · loan HK$24.32M · min. income ≈ HK$260,138/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,570 · Scale 2, in force from 26 Feb 2026)