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$61,260
−HK$3,841/mo
▼ 0.25% · 3.875%
HK$63,165
−HK$1,936/mo
Today · 4.125%
HK$65,101
baseline
▲ 0.50% · 4.625%
HK$69,063
+HK$3,962/mo
Deposit HK$13.43M · loan HK$13.43M · min. income ≈ HK$130,202/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,141,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,151
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$69,979
−HK$1,854/mo
Today · 4.125%
HK$71,833
baseline
▲ 0.50% · 4.625%
HK$75,619
+HK$3,786/mo
Deposit HK$13.43M · loan HK$13.43M · min. income ≈ HK$143,666/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,141,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,512
−HK$4,610/mo
▼ 0.25% · 3.875%
HK$75,798
−HK$2,324/mo
Today · 4.125%
HK$78,122
baseline
▲ 0.50% · 4.625%
HK$82,875
+HK$4,753/mo
Deposit HK$10.75M · loan HK$16.12M · min. income ≈ HK$156,244/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,141,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,781
−HK$4,419/mo
▼ 0.25% · 3.875%
HK$83,974
−HK$2,226/mo
Today · 4.125%
HK$86,200
baseline
▲ 0.50% · 4.625%
HK$90,743
+HK$4,543/mo
Deposit HK$10.75M · loan HK$16.12M · min. income ≈ HK$172,400/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,141,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,764
−HK$5,378/mo
▼ 0.25% · 3.875%
HK$88,432
−HK$2,710/mo
Today · 4.125%
HK$91,142
baseline
▲ 0.50% · 4.625%
HK$96,688
+HK$5,546/mo
Deposit HK$8.06M · loan HK$18.81M · min. income ≈ HK$182,284/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,141,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,411
−HK$5,155/mo
▼ 0.25% · 3.875%
HK$97,970
−HK$2,596/mo
Today · 4.125%
HK$100,566
baseline
▲ 0.50% · 4.625%
HK$105,867
+HK$5,301/mo
Deposit HK$8.06M · loan HK$18.81M · min. income ≈ HK$201,132/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,141,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,268
−HK$6,914/mo
▼ 0.25% · 3.875%
HK$113,698
−HK$3,484/mo
Today · 4.125%
HK$117,182
baseline
▲ 0.50% · 4.625%
HK$124,313
+HK$7,131/mo
Deposit HK$2.69M · loan HK$24.18M · min. income ≈ HK$234,364/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,141,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,672
−HK$6,627/mo
▼ 0.25% · 3.875%
HK$125,962
−HK$3,337/mo
Today · 4.125%
HK$129,299
baseline
▲ 0.50% · 4.625%
HK$136,115
+HK$6,816/mo
Deposit HK$2.69M · loan HK$24.18M · min. income ≈ HK$258,598/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,141,777 · Scale 2, in force from 26 Feb 2026)