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$61,202
−HK$3,837/mo
▼ 0.25% · 3.875%
HK$63,105
−HK$1,934/mo
Today · 4.125%
HK$65,039
baseline
▲ 0.50% · 4.625%
HK$68,997
+HK$3,958/mo
Deposit HK$13.42M · loan HK$13.42M · min. income ≈ HK$130,078/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,140,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,086
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$69,912
−HK$1,853/mo
Today · 4.125%
HK$71,765
baseline
▲ 0.50% · 4.625%
HK$75,547
+HK$3,782/mo
Deposit HK$13.42M · loan HK$13.42M · min. income ≈ HK$143,530/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,140,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,442
−HK$4,605/mo
▼ 0.25% · 3.875%
HK$75,726
−HK$2,321/mo
Today · 4.125%
HK$78,047
baseline
▲ 0.50% · 4.625%
HK$82,796
+HK$4,749/mo
Deposit HK$10.74M · loan HK$16.10M · min. income ≈ HK$156,094/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,140,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,703
−HK$4,414/mo
▼ 0.25% · 3.875%
HK$83,895
−HK$2,222/mo
Today · 4.125%
HK$86,117
baseline
▲ 0.50% · 4.625%
HK$90,657
+HK$4,540/mo
Deposit HK$10.74M · loan HK$16.10M · min. income ≈ HK$172,234/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,140,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,682
−HK$5,373/mo
▼ 0.25% · 3.875%
HK$88,347
−HK$2,708/mo
Today · 4.125%
HK$91,055
baseline
▲ 0.50% · 4.625%
HK$96,596
+HK$5,541/mo
Deposit HK$8.05M · loan HK$18.79M · min. income ≈ HK$182,110/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,320
−HK$5,150/mo
▼ 0.25% · 3.875%
HK$97,877
−HK$2,593/mo
Today · 4.125%
HK$100,470
baseline
▲ 0.50% · 4.625%
HK$105,766
+HK$5,296/mo
Deposit HK$8.05M · loan HK$18.79M · min. income ≈ HK$200,940/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,163
−HK$6,908/mo
▼ 0.25% · 3.875%
HK$113,589
−HK$3,482/mo
Today · 4.125%
HK$117,071
baseline
▲ 0.50% · 4.625%
HK$124,194
+HK$7,123/mo
Deposit HK$2.68M · loan HK$24.16M · min. income ≈ HK$234,142/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,140,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,555
−HK$6,621/mo
▼ 0.25% · 3.875%
HK$125,842
−HK$3,334/mo
Today · 4.125%
HK$129,176
baseline
▲ 0.50% · 4.625%
HK$135,985
+HK$6,809/mo
Deposit HK$2.68M · loan HK$24.16M · min. income ≈ HK$258,352/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,140,690 · Scale 2, in force from 26 Feb 2026)