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$61,424
−HK$3,851/mo
▼ 0.25% · 3.875%
HK$63,334
−HK$1,941/mo
Today · 4.125%
HK$65,275
baseline
▲ 0.50% · 4.625%
HK$69,247
+HK$3,972/mo
Deposit HK$13.47M · loan HK$13.47M · min. income ≈ HK$130,550/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,144,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,333
−HK$3,692/mo
▼ 0.25% · 3.875%
HK$70,166
−HK$1,859/mo
Today · 4.125%
HK$72,025
baseline
▲ 0.50% · 4.625%
HK$75,821
+HK$3,796/mo
Deposit HK$13.47M · loan HK$13.47M · min. income ≈ HK$144,050/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,144,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,708
−HK$4,622/mo
▼ 0.25% · 3.875%
HK$76,001
−HK$2,329/mo
Today · 4.125%
HK$78,330
baseline
▲ 0.50% · 4.625%
HK$83,097
+HK$4,767/mo
Deposit HK$10.77M · loan HK$16.16M · min. income ≈ HK$156,660/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,144,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,000
−HK$4,430/mo
▼ 0.25% · 3.875%
HK$84,199
−HK$2,231/mo
Today · 4.125%
HK$86,430
baseline
▲ 0.50% · 4.625%
HK$90,986
+HK$4,556/mo
Deposit HK$10.77M · loan HK$16.16M · min. income ≈ HK$172,860/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,144,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,993
−HK$5,392/mo
▼ 0.25% · 3.875%
HK$88,668
−HK$2,717/mo
Today · 4.125%
HK$91,385
baseline
▲ 0.50% · 4.625%
HK$96,946
+HK$5,561/mo
Deposit HK$8.08M · loan HK$18.86M · min. income ≈ HK$182,770/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,144,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,666
−HK$5,169/mo
▼ 0.25% · 3.875%
HK$98,232
−HK$2,603/mo
Today · 4.125%
HK$100,835
baseline
▲ 0.50% · 4.625%
HK$106,150
+HK$5,315/mo
Deposit HK$8.08M · loan HK$18.86M · min. income ≈ HK$201,670/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,144,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,562
−HK$6,934/mo
▼ 0.25% · 3.875%
HK$114,001
−HK$3,495/mo
Today · 4.125%
HK$117,496
baseline
▲ 0.50% · 4.625%
HK$124,645
+HK$7,149/mo
Deposit HK$2.69M · loan HK$24.24M · min. income ≈ HK$234,992/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,999
−HK$6,646/mo
▼ 0.25% · 3.875%
HK$126,298
−HK$3,347/mo
Today · 4.125%
HK$129,645
baseline
▲ 0.50% · 4.625%
HK$136,479
+HK$6,834/mo
Deposit HK$2.69M · loan HK$24.24M · min. income ≈ HK$259,290/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,828 · Scale 2, in force from 26 Feb 2026)