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$61,382
−HK$3,849/mo
▼ 0.25% · 3.875%
HK$63,291
−HK$1,940/mo
Today · 4.125%
HK$65,231
baseline
▲ 0.50% · 4.625%
HK$69,200
+HK$3,969/mo
Deposit HK$13.46M · loan HK$13.46M · min. income ≈ HK$130,462/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,144,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,287
−HK$3,689/mo
▼ 0.25% · 3.875%
HK$70,118
−HK$1,858/mo
Today · 4.125%
HK$71,976
baseline
▲ 0.50% · 4.625%
HK$75,770
+HK$3,794/mo
Deposit HK$13.46M · loan HK$13.46M · min. income ≈ HK$143,952/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,144,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,658
−HK$4,619/mo
▼ 0.25% · 3.875%
HK$75,949
−HK$2,328/mo
Today · 4.125%
HK$78,277
baseline
▲ 0.50% · 4.625%
HK$83,040
+HK$4,763/mo
Deposit HK$10.77M · loan HK$16.15M · min. income ≈ HK$156,554/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,144,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,944
−HK$4,427/mo
▼ 0.25% · 3.875%
HK$84,142
−HK$2,229/mo
Today · 4.125%
HK$86,371
baseline
▲ 0.50% · 4.625%
HK$90,924
+HK$4,553/mo
Deposit HK$10.77M · loan HK$16.15M · min. income ≈ HK$172,742/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,144,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,934
−HK$5,389/mo
▼ 0.25% · 3.875%
HK$88,607
−HK$2,716/mo
Today · 4.125%
HK$91,323
baseline
▲ 0.50% · 4.625%
HK$96,880
+HK$5,557/mo
Deposit HK$8.08M · loan HK$18.84M · min. income ≈ HK$182,646/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,144,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,601
−HK$5,165/mo
▼ 0.25% · 3.875%
HK$98,165
−HK$2,601/mo
Today · 4.125%
HK$100,766
baseline
▲ 0.50% · 4.625%
HK$106,078
+HK$5,312/mo
Deposit HK$8.08M · loan HK$18.84M · min. income ≈ HK$201,532/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,144,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,487
−HK$6,929/mo
▼ 0.25% · 3.875%
HK$113,924
−HK$3,492/mo
Today · 4.125%
HK$117,416
baseline
▲ 0.50% · 4.625%
HK$124,560
+HK$7,144/mo
Deposit HK$2.69M · loan HK$24.23M · min. income ≈ HK$234,832/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,916
−HK$6,640/mo
▼ 0.25% · 3.875%
HK$126,212
−HK$3,344/mo
Today · 4.125%
HK$129,556
baseline
▲ 0.50% · 4.625%
HK$136,386
+HK$6,830/mo
Deposit HK$2.69M · loan HK$24.23M · min. income ≈ HK$259,112/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,048 · Scale 2, in force from 26 Feb 2026)