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$61,524
−HK$3,858/mo
▼ 0.25% · 3.875%
HK$63,438
−HK$1,944/mo
Today · 4.125%
HK$65,382
baseline
▲ 0.50% · 4.625%
HK$69,361
+HK$3,979/mo
Deposit HK$13.49M · loan HK$13.49M · min. income ≈ HK$130,764/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,146,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,445
−HK$3,698/mo
▼ 0.25% · 3.875%
HK$70,281
−HK$1,862/mo
Today · 4.125%
HK$72,143
baseline
▲ 0.50% · 4.625%
HK$75,946
+HK$3,803/mo
Deposit HK$13.49M · loan HK$13.49M · min. income ≈ HK$144,286/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,146,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,829
−HK$4,630/mo
▼ 0.25% · 3.875%
HK$76,126
−HK$2,333/mo
Today · 4.125%
HK$78,459
baseline
▲ 0.50% · 4.625%
HK$83,233
+HK$4,774/mo
Deposit HK$10.79M · loan HK$16.19M · min. income ≈ HK$156,918/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,146,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,134
−HK$4,438/mo
▼ 0.25% · 3.875%
HK$84,337
−HK$2,235/mo
Today · 4.125%
HK$86,572
baseline
▲ 0.50% · 4.625%
HK$91,135
+HK$4,563/mo
Deposit HK$10.79M · loan HK$16.19M · min. income ≈ HK$173,144/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,146,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,134
−HK$5,401/mo
▼ 0.25% · 3.875%
HK$88,813
−HK$2,722/mo
Today · 4.125%
HK$91,535
baseline
▲ 0.50% · 4.625%
HK$97,105
+HK$5,570/mo
Deposit HK$8.09M · loan HK$18.89M · min. income ≈ HK$183,070/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,146,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,823
−HK$5,177/mo
▼ 0.25% · 3.875%
HK$98,393
−HK$2,607/mo
Today · 4.125%
HK$101,000
baseline
▲ 0.50% · 4.625%
HK$106,324
+HK$5,324/mo
Deposit HK$8.09M · loan HK$18.89M · min. income ≈ HK$202,000/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,146,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,744
−HK$6,944/mo
▼ 0.25% · 3.875%
HK$114,189
−HK$3,499/mo
Today · 4.125%
HK$117,688
baseline
▲ 0.50% · 4.625%
HK$124,849
+HK$7,161/mo
Deposit HK$2.70M · loan HK$24.28M · min. income ≈ HK$235,376/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,146,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,201
−HK$6,657/mo
▼ 0.25% · 3.875%
HK$126,506
−HK$3,352/mo
Today · 4.125%
HK$129,858
baseline
▲ 0.50% · 4.625%
HK$136,702
+HK$6,844/mo
Deposit HK$2.70M · loan HK$24.28M · min. income ≈ HK$259,716/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,146,706 · Scale 2, in force from 26 Feb 2026)