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$61,038
−HK$3,828/mo
▼ 0.25% · 3.875%
HK$62,937
−HK$1,929/mo
Today · 4.125%
HK$64,866
baseline
▲ 0.50% · 4.625%
HK$68,813
+HK$3,947/mo
Deposit HK$13.38M · loan HK$13.38M · min. income ≈ HK$129,732/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,137,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,904
−HK$3,669/mo
▼ 0.25% · 3.875%
HK$69,725
−HK$1,848/mo
Today · 4.125%
HK$71,573
baseline
▲ 0.50% · 4.625%
HK$75,346
+HK$3,773/mo
Deposit HK$13.38M · loan HK$13.38M · min. income ≈ HK$143,146/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,137,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,246
−HK$4,593/mo
▼ 0.25% · 3.875%
HK$75,524
−HK$2,315/mo
Today · 4.125%
HK$77,839
baseline
▲ 0.50% · 4.625%
HK$82,575
+HK$4,736/mo
Deposit HK$10.71M · loan HK$16.06M · min. income ≈ HK$155,678/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,137,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,485
−HK$4,403/mo
▼ 0.25% · 3.875%
HK$83,671
−HK$2,217/mo
Today · 4.125%
HK$85,888
baseline
▲ 0.50% · 4.625%
HK$90,415
+HK$4,527/mo
Deposit HK$10.71M · loan HK$16.06M · min. income ≈ HK$171,776/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,137,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,453
−HK$5,359/mo
▼ 0.25% · 3.875%
HK$88,111
−HK$2,701/mo
Today · 4.125%
HK$90,812
baseline
▲ 0.50% · 4.625%
HK$96,338
+HK$5,526/mo
Deposit HK$8.03M · loan HK$18.74M · min. income ≈ HK$181,624/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,137,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,066
−HK$5,136/mo
▼ 0.25% · 3.875%
HK$97,616
−HK$2,586/mo
Today · 4.125%
HK$100,202
baseline
▲ 0.50% · 4.625%
HK$105,484
+HK$5,282/mo
Deposit HK$8.03M · loan HK$18.74M · min. income ≈ HK$200,404/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,137,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,869
−HK$6,889/mo
▼ 0.25% · 3.875%
HK$113,286
−HK$3,472/mo
Today · 4.125%
HK$116,758
baseline
▲ 0.50% · 4.625%
HK$123,863
+HK$7,105/mo
Deposit HK$2.68M · loan HK$24.09M · min. income ≈ HK$233,516/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,137,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,228
−HK$6,603/mo
▼ 0.25% · 3.875%
HK$125,506
−HK$3,325/mo
Today · 4.125%
HK$128,831
baseline
▲ 0.50% · 4.625%
HK$135,622
+HK$6,791/mo
Deposit HK$2.68M · loan HK$24.09M · min. income ≈ HK$257,662/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,137,645 · Scale 2, in force from 26 Feb 2026)