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$61,265
−HK$3,841/mo
▼ 0.25% · 3.875%
HK$63,170
−HK$1,936/mo
Today · 4.125%
HK$65,106
baseline
▲ 0.50% · 4.625%
HK$69,068
+HK$3,962/mo
Deposit HK$13.43M · loan HK$13.43M · min. income ≈ HK$130,212/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,141,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,156
−HK$3,683/mo
▼ 0.25% · 3.875%
HK$69,984
−HK$1,855/mo
Today · 4.125%
HK$71,839
baseline
▲ 0.50% · 4.625%
HK$75,625
+HK$3,786/mo
Deposit HK$13.43M · loan HK$13.43M · min. income ≈ HK$143,678/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,141,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,518
−HK$4,610/mo
▼ 0.25% · 3.875%
HK$75,804
−HK$2,324/mo
Today · 4.125%
HK$78,128
baseline
▲ 0.50% · 4.625%
HK$82,882
+HK$4,754/mo
Deposit HK$10.75M · loan HK$16.12M · min. income ≈ HK$156,256/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,141,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,788
−HK$4,418/mo
▼ 0.25% · 3.875%
HK$83,981
−HK$2,225/mo
Today · 4.125%
HK$86,206
baseline
▲ 0.50% · 4.625%
HK$90,750
+HK$4,544/mo
Deposit HK$10.75M · loan HK$16.12M · min. income ≈ HK$172,412/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,141,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,770
−HK$5,379/mo
▼ 0.25% · 3.875%
HK$88,438
−HK$2,711/mo
Today · 4.125%
HK$91,149
baseline
▲ 0.50% · 4.625%
HK$96,695
+HK$5,546/mo
Deposit HK$8.06M · loan HK$18.81M · min. income ≈ HK$182,298/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,141,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,419
−HK$5,155/mo
▼ 0.25% · 3.875%
HK$97,978
−HK$2,596/mo
Today · 4.125%
HK$100,574
baseline
▲ 0.50% · 4.625%
HK$105,875
+HK$5,301/mo
Deposit HK$8.06M · loan HK$18.81M · min. income ≈ HK$201,148/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,141,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,276
−HK$6,916/mo
▼ 0.25% · 3.875%
HK$113,707
−HK$3,485/mo
Today · 4.125%
HK$117,192
baseline
▲ 0.50% · 4.625%
HK$124,322
+HK$7,130/mo
Deposit HK$2.69M · loan HK$24.18M · min. income ≈ HK$234,384/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,141,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,681
−HK$6,628/mo
▼ 0.25% · 3.875%
HK$125,972
−HK$3,337/mo
Today · 4.125%
HK$129,309
baseline
▲ 0.50% · 4.625%
HK$136,125
+HK$6,816/mo
Deposit HK$2.69M · loan HK$24.18M · min. income ≈ HK$258,618/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,141,866 · Scale 2, in force from 26 Feb 2026)