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$61,057
−HK$3,829/mo
▼ 0.25% · 3.875%
HK$62,956
−HK$1,930/mo
Today · 4.125%
HK$64,886
baseline
▲ 0.50% · 4.625%
HK$68,834
+HK$3,948/mo
Deposit HK$13.39M · loan HK$13.39M · min. income ≈ HK$129,772/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,137,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,925
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$69,747
−HK$1,848/mo
Today · 4.125%
HK$71,595
baseline
▲ 0.50% · 4.625%
HK$75,369
+HK$3,774/mo
Deposit HK$13.39M · loan HK$13.39M · min. income ≈ HK$143,190/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,137,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,268
−HK$4,595/mo
▼ 0.25% · 3.875%
HK$75,547
−HK$2,316/mo
Today · 4.125%
HK$77,863
baseline
▲ 0.50% · 4.625%
HK$82,601
+HK$4,738/mo
Deposit HK$10.71M · loan HK$16.07M · min. income ≈ HK$155,726/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,137,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,510
−HK$4,404/mo
▼ 0.25% · 3.875%
HK$83,696
−HK$2,218/mo
Today · 4.125%
HK$85,914
baseline
▲ 0.50% · 4.625%
HK$90,443
+HK$4,529/mo
Deposit HK$10.71M · loan HK$16.07M · min. income ≈ HK$171,828/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,137,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,480
−HK$5,360/mo
▼ 0.25% · 3.875%
HK$88,138
−HK$2,702/mo
Today · 4.125%
HK$90,840
baseline
▲ 0.50% · 4.625%
HK$96,367
+HK$5,527/mo
Deposit HK$8.03M · loan HK$18.74M · min. income ≈ HK$181,680/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,137,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,095
−HK$5,138/mo
▼ 0.25% · 3.875%
HK$97,646
−HK$2,587/mo
Today · 4.125%
HK$100,233
baseline
▲ 0.50% · 4.625%
HK$105,516
+HK$5,283/mo
Deposit HK$8.03M · loan HK$18.74M · min. income ≈ HK$200,466/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,137,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,902
−HK$6,892/mo
▼ 0.25% · 3.875%
HK$113,321
−HK$3,473/mo
Today · 4.125%
HK$116,794
baseline
▲ 0.50% · 4.625%
HK$123,901
+HK$7,107/mo
Deposit HK$2.68M · loan HK$24.10M · min. income ≈ HK$233,588/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,137,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,265
−HK$6,606/mo
▼ 0.25% · 3.875%
HK$125,544
−HK$3,327/mo
Today · 4.125%
HK$128,871
baseline
▲ 0.50% · 4.625%
HK$135,664
+HK$6,793/mo
Deposit HK$2.68M · loan HK$24.10M · min. income ≈ HK$257,742/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,137,993 · Scale 2, in force from 26 Feb 2026)