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$61,258
−HK$3,841/mo
▼ 0.25% · 3.875%
HK$63,163
−HK$1,936/mo
Today · 4.125%
HK$65,099
baseline
▲ 0.50% · 4.625%
HK$69,060
+HK$3,961/mo
Deposit HK$13.43M · loan HK$13.43M · min. income ≈ HK$130,198/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,141,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,148
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$69,976
−HK$1,854/mo
Today · 4.125%
HK$71,830
baseline
▲ 0.50% · 4.625%
HK$75,617
+HK$3,787/mo
Deposit HK$13.43M · loan HK$13.43M · min. income ≈ HK$143,660/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,141,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,509
−HK$4,610/mo
▼ 0.25% · 3.875%
HK$75,796
−HK$2,323/mo
Today · 4.125%
HK$78,119
baseline
▲ 0.50% · 4.625%
HK$82,872
+HK$4,753/mo
Deposit HK$10.75M · loan HK$16.12M · min. income ≈ HK$156,238/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,141,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,778
−HK$4,418/mo
▼ 0.25% · 3.875%
HK$83,971
−HK$2,225/mo
Today · 4.125%
HK$86,196
baseline
▲ 0.50% · 4.625%
HK$90,740
+HK$4,544/mo
Deposit HK$10.75M · loan HK$16.12M · min. income ≈ HK$172,392/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,141,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,761
−HK$5,378/mo
▼ 0.25% · 3.875%
HK$88,428
−HK$2,711/mo
Today · 4.125%
HK$91,139
baseline
▲ 0.50% · 4.625%
HK$96,684
+HK$5,545/mo
Deposit HK$8.06M · loan HK$18.81M · min. income ≈ HK$182,278/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,141,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,408
−HK$5,154/mo
▼ 0.25% · 3.875%
HK$97,967
−HK$2,595/mo
Today · 4.125%
HK$100,562
baseline
▲ 0.50% · 4.625%
HK$105,863
+HK$5,301/mo
Deposit HK$8.06M · loan HK$18.81M · min. income ≈ HK$201,124/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,141,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,264
−HK$6,914/mo
▼ 0.25% · 3.875%
HK$113,693
−HK$3,485/mo
Today · 4.125%
HK$117,178
baseline
▲ 0.50% · 4.625%
HK$124,308
+HK$7,130/mo
Deposit HK$2.69M · loan HK$24.18M · min. income ≈ HK$234,356/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,141,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,667
−HK$6,627/mo
▼ 0.25% · 3.875%
HK$125,957
−HK$3,337/mo
Today · 4.125%
HK$129,294
baseline
▲ 0.50% · 4.625%
HK$136,110
+HK$6,816/mo
Deposit HK$2.69M · loan HK$24.18M · min. income ≈ HK$258,588/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,141,734 · Scale 2, in force from 26 Feb 2026)