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$61,407
−HK$3,851/mo
▼ 0.25% · 3.875%
HK$63,318
−HK$1,940/mo
Today · 4.125%
HK$65,258
baseline
▲ 0.50% · 4.625%
HK$69,229
+HK$3,971/mo
Deposit HK$13.47M · loan HK$13.47M · min. income ≈ HK$130,516/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,144,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,315
−HK$3,691/mo
▼ 0.25% · 3.875%
HK$70,147
−HK$1,859/mo
Today · 4.125%
HK$72,006
baseline
▲ 0.50% · 4.625%
HK$75,802
+HK$3,796/mo
Deposit HK$13.47M · loan HK$13.47M · min. income ≈ HK$144,012/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,144,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,689
−HK$4,621/mo
▼ 0.25% · 3.875%
HK$75,981
−HK$2,329/mo
Today · 4.125%
HK$78,310
baseline
▲ 0.50% · 4.625%
HK$83,075
+HK$4,765/mo
Deposit HK$10.77M · loan HK$16.16M · min. income ≈ HK$156,620/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,144,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,978
−HK$4,429/mo
▼ 0.25% · 3.875%
HK$84,177
−HK$2,230/mo
Today · 4.125%
HK$86,407
baseline
▲ 0.50% · 4.625%
HK$90,962
+HK$4,555/mo
Deposit HK$10.77M · loan HK$16.16M · min. income ≈ HK$172,814/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,144,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,970
−HK$5,392/mo
▼ 0.25% · 3.875%
HK$88,645
−HK$2,717/mo
Today · 4.125%
HK$91,362
baseline
▲ 0.50% · 4.625%
HK$96,921
+HK$5,559/mo
Deposit HK$8.08M · loan HK$18.85M · min. income ≈ HK$182,724/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,144,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,641
−HK$5,168/mo
▼ 0.25% · 3.875%
HK$98,206
−HK$2,603/mo
Today · 4.125%
HK$100,809
baseline
▲ 0.50% · 4.625%
HK$106,122
+HK$5,313/mo
Deposit HK$8.08M · loan HK$18.85M · min. income ≈ HK$201,618/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,144,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,533
−HK$6,932/mo
▼ 0.25% · 3.875%
HK$113,972
−HK$3,493/mo
Today · 4.125%
HK$117,465
baseline
▲ 0.50% · 4.625%
HK$124,612
+HK$7,147/mo
Deposit HK$2.69M · loan HK$24.24M · min. income ≈ HK$234,930/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,967
−HK$6,644/mo
▼ 0.25% · 3.875%
HK$126,265
−HK$3,346/mo
Today · 4.125%
HK$129,611
baseline
▲ 0.50% · 4.625%
HK$136,443
+HK$6,832/mo
Deposit HK$2.69M · loan HK$24.24M · min. income ≈ HK$259,222/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,529 · Scale 2, in force from 26 Feb 2026)