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$61,062
−HK$3,830/mo
▼ 0.25% · 3.875%
HK$62,962
−HK$1,930/mo
Today · 4.125%
HK$64,892
baseline
▲ 0.50% · 4.625%
HK$68,840
+HK$3,948/mo
Deposit HK$13.39M · loan HK$13.39M · min. income ≈ HK$129,784/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,138,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,931
−HK$3,671/mo
▼ 0.25% · 3.875%
HK$69,753
−HK$1,849/mo
Today · 4.125%
HK$71,602
baseline
▲ 0.50% · 4.625%
HK$75,376
+HK$3,774/mo
Deposit HK$13.39M · loan HK$13.39M · min. income ≈ HK$143,204/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,138,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,275
−HK$4,595/mo
▼ 0.25% · 3.875%
HK$75,554
−HK$2,316/mo
Today · 4.125%
HK$77,870
baseline
▲ 0.50% · 4.625%
HK$82,608
+HK$4,738/mo
Deposit HK$10.71M · loan HK$16.07M · min. income ≈ HK$155,740/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,138,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,518
−HK$4,404/mo
▼ 0.25% · 3.875%
HK$83,704
−HK$2,218/mo
Today · 4.125%
HK$85,922
baseline
▲ 0.50% · 4.625%
HK$90,451
+HK$4,529/mo
Deposit HK$10.71M · loan HK$16.07M · min. income ≈ HK$171,844/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,138,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,487
−HK$5,361/mo
▼ 0.25% · 3.875%
HK$88,147
−HK$2,701/mo
Today · 4.125%
HK$90,848
baseline
▲ 0.50% · 4.625%
HK$96,376
+HK$5,528/mo
Deposit HK$8.03M · loan HK$18.75M · min. income ≈ HK$181,696/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,138,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,104
−HK$5,138/mo
▼ 0.25% · 3.875%
HK$97,655
−HK$2,587/mo
Today · 4.125%
HK$100,242
baseline
▲ 0.50% · 4.625%
HK$105,526
+HK$5,284/mo
Deposit HK$8.03M · loan HK$18.75M · min. income ≈ HK$200,484/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,138,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,912
−HK$6,893/mo
▼ 0.25% · 3.875%
HK$113,331
−HK$3,474/mo
Today · 4.125%
HK$116,805
baseline
▲ 0.50% · 4.625%
HK$123,912
+HK$7,107/mo
Deposit HK$2.68M · loan HK$24.10M · min. income ≈ HK$233,610/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,277
−HK$6,606/mo
▼ 0.25% · 3.875%
HK$125,556
−HK$3,327/mo
Today · 4.125%
HK$128,883
baseline
▲ 0.50% · 4.625%
HK$135,676
+HK$6,793/mo
Deposit HK$2.68M · loan HK$24.10M · min. income ≈ HK$257,766/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,099 · Scale 2, in force from 26 Feb 2026)