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$61,113
−HK$3,833/mo
▼ 0.25% · 3.875%
HK$63,014
−HK$1,932/mo
Today · 4.125%
HK$64,946
baseline
▲ 0.50% · 4.625%
HK$68,897
+HK$3,951/mo
Deposit HK$13.40M · loan HK$13.40M · min. income ≈ HK$129,892/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,139,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,988
−HK$3,673/mo
▼ 0.25% · 3.875%
HK$69,811
−HK$1,850/mo
Today · 4.125%
HK$71,661
baseline
▲ 0.50% · 4.625%
HK$75,438
+HK$3,777/mo
Deposit HK$13.40M · loan HK$13.40M · min. income ≈ HK$143,322/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,139,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,336
−HK$4,599/mo
▼ 0.25% · 3.875%
HK$75,617
−HK$2,318/mo
Today · 4.125%
HK$77,935
baseline
▲ 0.50% · 4.625%
HK$82,677
+HK$4,742/mo
Deposit HK$10.72M · loan HK$16.08M · min. income ≈ HK$155,870/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,139,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,585
−HK$4,408/mo
▼ 0.25% · 3.875%
HK$83,774
−HK$2,219/mo
Today · 4.125%
HK$85,993
baseline
▲ 0.50% · 4.625%
HK$90,526
+HK$4,533/mo
Deposit HK$10.72M · loan HK$16.08M · min. income ≈ HK$171,986/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,139,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,559
−HK$5,365/mo
▼ 0.25% · 3.875%
HK$88,220
−HK$2,704/mo
Today · 4.125%
HK$90,924
baseline
▲ 0.50% · 4.625%
HK$96,456
+HK$5,532/mo
Deposit HK$8.04M · loan HK$18.76M · min. income ≈ HK$181,848/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,139,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,183
−HK$5,142/mo
▼ 0.25% · 3.875%
HK$97,736
−HK$2,589/mo
Today · 4.125%
HK$100,325
baseline
▲ 0.50% · 4.625%
HK$105,614
+HK$5,289/mo
Deposit HK$8.04M · loan HK$18.76M · min. income ≈ HK$200,650/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,139,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,004
−HK$6,898/mo
▼ 0.25% · 3.875%
HK$113,426
−HK$3,476/mo
Today · 4.125%
HK$116,902
baseline
▲ 0.50% · 4.625%
HK$124,015
+HK$7,113/mo
Deposit HK$2.68M · loan HK$24.12M · min. income ≈ HK$233,804/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,139,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,378
−HK$6,612/mo
▼ 0.25% · 3.875%
HK$125,660
−HK$3,330/mo
Today · 4.125%
HK$128,990
baseline
▲ 0.50% · 4.625%
HK$135,789
+HK$6,799/mo
Deposit HK$2.68M · loan HK$24.12M · min. income ≈ HK$257,980/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,139,045 · Scale 2, in force from 26 Feb 2026)