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$61,367
−HK$3,849/mo
▼ 0.25% · 3.875%
HK$63,276
−HK$1,940/mo
Today · 4.125%
HK$65,216
baseline
▲ 0.50% · 4.625%
HK$69,184
+HK$3,968/mo
Deposit HK$13.46M · loan HK$13.46M · min. income ≈ HK$130,432/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,143,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,271
−HK$3,688/mo
▼ 0.25% · 3.875%
HK$70,101
−HK$1,858/mo
Today · 4.125%
HK$71,959
baseline
▲ 0.50% · 4.625%
HK$75,752
+HK$3,793/mo
Deposit HK$13.46M · loan HK$13.46M · min. income ≈ HK$143,918/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,143,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,641
−HK$4,618/mo
▼ 0.25% · 3.875%
HK$75,931
−HK$2,328/mo
Today · 4.125%
HK$78,259
baseline
▲ 0.50% · 4.625%
HK$83,021
+HK$4,762/mo
Deposit HK$10.76M · loan HK$16.15M · min. income ≈ HK$156,518/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,143,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,925
−HK$4,426/mo
▼ 0.25% · 3.875%
HK$84,122
−HK$2,229/mo
Today · 4.125%
HK$86,351
baseline
▲ 0.50% · 4.625%
HK$90,902
+HK$4,551/mo
Deposit HK$10.76M · loan HK$16.15M · min. income ≈ HK$172,702/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,143,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,914
−HK$5,388/mo
▼ 0.25% · 3.875%
HK$88,587
−HK$2,715/mo
Today · 4.125%
HK$91,302
baseline
▲ 0.50% · 4.625%
HK$96,857
+HK$5,555/mo
Deposit HK$8.07M · loan HK$18.84M · min. income ≈ HK$182,604/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,143,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,579
−HK$5,164/mo
▼ 0.25% · 3.875%
HK$98,142
−HK$2,601/mo
Today · 4.125%
HK$100,743
baseline
▲ 0.50% · 4.625%
HK$106,053
+HK$5,310/mo
Deposit HK$8.07M · loan HK$18.84M · min. income ≈ HK$201,486/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,143,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,461
−HK$6,927/mo
▼ 0.25% · 3.875%
HK$113,897
−HK$3,491/mo
Today · 4.125%
HK$117,388
baseline
▲ 0.50% · 4.625%
HK$124,531
+HK$7,143/mo
Deposit HK$2.69M · loan HK$24.22M · min. income ≈ HK$234,776/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,143,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,887
−HK$6,639/mo
▼ 0.25% · 3.875%
HK$126,183
−HK$3,343/mo
Today · 4.125%
HK$129,526
baseline
▲ 0.50% · 4.625%
HK$136,354
+HK$6,828/mo
Deposit HK$2.69M · loan HK$24.22M · min. income ≈ HK$259,052/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,143,780 · Scale 2, in force from 26 Feb 2026)