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$61,095
−HK$3,831/mo
▼ 0.25% · 3.875%
HK$62,995
−HK$1,931/mo
Today · 4.125%
HK$64,926
baseline
▲ 0.50% · 4.625%
HK$68,877
+HK$3,951/mo
Deposit HK$13.40M · loan HK$13.40M · min. income ≈ HK$129,852/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,138,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,967
−HK$3,672/mo
▼ 0.25% · 3.875%
HK$69,790
−HK$1,849/mo
Today · 4.125%
HK$71,639
baseline
▲ 0.50% · 4.625%
HK$75,416
+HK$3,777/mo
Deposit HK$13.40M · loan HK$13.40M · min. income ≈ HK$143,278/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,138,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,314
−HK$4,597/mo
▼ 0.25% · 3.875%
HK$75,594
−HK$2,317/mo
Today · 4.125%
HK$77,911
baseline
▲ 0.50% · 4.625%
HK$82,652
+HK$4,741/mo
Deposit HK$10.72M · loan HK$16.08M · min. income ≈ HK$155,822/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,138,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,561
−HK$4,406/mo
▼ 0.25% · 3.875%
HK$83,748
−HK$2,219/mo
Today · 4.125%
HK$85,967
baseline
▲ 0.50% · 4.625%
HK$90,499
+HK$4,532/mo
Deposit HK$10.72M · loan HK$16.08M · min. income ≈ HK$171,934/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,138,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,533
−HK$5,363/mo
▼ 0.25% · 3.875%
HK$88,193
−HK$2,703/mo
Today · 4.125%
HK$90,896
baseline
▲ 0.50% · 4.625%
HK$96,427
+HK$5,531/mo
Deposit HK$8.04M · loan HK$18.76M · min. income ≈ HK$181,792/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,138,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,154
−HK$5,141/mo
▼ 0.25% · 3.875%
HK$97,706
−HK$2,589/mo
Today · 4.125%
HK$100,295
baseline
▲ 0.50% · 4.625%
HK$105,582
+HK$5,287/mo
Deposit HK$8.04M · loan HK$18.76M · min. income ≈ HK$200,590/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,138,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,971
−HK$6,896/mo
▼ 0.25% · 3.875%
HK$113,391
−HK$3,476/mo
Today · 4.125%
HK$116,867
baseline
▲ 0.50% · 4.625%
HK$123,978
+HK$7,111/mo
Deposit HK$2.68M · loan HK$24.11M · min. income ≈ HK$233,734/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,341
−HK$6,610/mo
▼ 0.25% · 3.875%
HK$125,622
−HK$3,329/mo
Today · 4.125%
HK$128,951
baseline
▲ 0.50% · 4.625%
HK$135,748
+HK$6,797/mo
Deposit HK$2.68M · loan HK$24.11M · min. income ≈ HK$257,902/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,700 · Scale 2, in force from 26 Feb 2026)