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$61,054
−HK$3,829/mo
▼ 0.25% · 3.875%
HK$62,953
−HK$1,930/mo
Today · 4.125%
HK$64,883
baseline
▲ 0.50% · 4.625%
HK$68,830
+HK$3,947/mo
Deposit HK$13.39M · loan HK$13.39M · min. income ≈ HK$129,766/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,137,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,922
−HK$3,669/mo
▼ 0.25% · 3.875%
HK$69,743
−HK$1,848/mo
Today · 4.125%
HK$71,591
baseline
▲ 0.50% · 4.625%
HK$75,365
+HK$3,774/mo
Deposit HK$13.39M · loan HK$13.39M · min. income ≈ HK$143,182/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,137,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,265
−HK$4,594/mo
▼ 0.25% · 3.875%
HK$75,544
−HK$2,315/mo
Today · 4.125%
HK$77,859
baseline
▲ 0.50% · 4.625%
HK$82,597
+HK$4,738/mo
Deposit HK$10.71M · loan HK$16.07M · min. income ≈ HK$155,718/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,137,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,506
−HK$4,404/mo
▼ 0.25% · 3.875%
HK$83,692
−HK$2,218/mo
Today · 4.125%
HK$85,910
baseline
▲ 0.50% · 4.625%
HK$90,438
+HK$4,528/mo
Deposit HK$10.71M · loan HK$16.07M · min. income ≈ HK$171,820/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,137,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,475
−HK$5,361/mo
▼ 0.25% · 3.875%
HK$88,134
−HK$2,702/mo
Today · 4.125%
HK$90,836
baseline
▲ 0.50% · 4.625%
HK$96,363
+HK$5,527/mo
Deposit HK$8.03M · loan HK$18.74M · min. income ≈ HK$181,672/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,137,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,091
−HK$5,137/mo
▼ 0.25% · 3.875%
HK$97,641
−HK$2,587/mo
Today · 4.125%
HK$100,228
baseline
▲ 0.50% · 4.625%
HK$105,511
+HK$5,283/mo
Deposit HK$8.03M · loan HK$18.74M · min. income ≈ HK$200,456/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,137,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,897
−HK$6,892/mo
▼ 0.25% · 3.875%
HK$113,315
−HK$3,474/mo
Today · 4.125%
HK$116,789
baseline
▲ 0.50% · 4.625%
HK$123,895
+HK$7,106/mo
Deposit HK$2.68M · loan HK$24.10M · min. income ≈ HK$233,578/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,137,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,259
−HK$6,606/mo
▼ 0.25% · 3.875%
HK$125,538
−HK$3,327/mo
Today · 4.125%
HK$128,865
baseline
▲ 0.50% · 4.625%
HK$135,657
+HK$6,792/mo
Deposit HK$2.68M · loan HK$24.10M · min. income ≈ HK$257,730/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,137,939 · Scale 2, in force from 26 Feb 2026)