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$61,186
−HK$3,837/mo
▼ 0.25% · 3.875%
HK$63,089
−HK$1,934/mo
Today · 4.125%
HK$65,023
baseline
▲ 0.50% · 4.625%
HK$68,980
+HK$3,957/mo
Deposit HK$13.42M · loan HK$13.42M · min. income ≈ HK$130,046/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,140,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,069
−HK$3,678/mo
▼ 0.25% · 3.875%
HK$69,895
−HK$1,852/mo
Today · 4.125%
HK$71,747
baseline
▲ 0.50% · 4.625%
HK$75,528
+HK$3,781/mo
Deposit HK$13.42M · loan HK$13.42M · min. income ≈ HK$143,494/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,140,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,423
−HK$4,605/mo
▼ 0.25% · 3.875%
HK$75,707
−HK$2,321/mo
Today · 4.125%
HK$78,028
baseline
▲ 0.50% · 4.625%
HK$82,775
+HK$4,747/mo
Deposit HK$10.73M · loan HK$16.10M · min. income ≈ HK$156,056/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,140,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,683
−HK$4,413/mo
▼ 0.25% · 3.875%
HK$83,873
−HK$2,223/mo
Today · 4.125%
HK$86,096
baseline
▲ 0.50% · 4.625%
HK$90,634
+HK$4,538/mo
Deposit HK$10.73M · loan HK$16.10M · min. income ≈ HK$172,192/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,140,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,661
−HK$5,371/mo
▼ 0.25% · 3.875%
HK$88,325
−HK$2,707/mo
Today · 4.125%
HK$91,032
baseline
▲ 0.50% · 4.625%
HK$96,571
+HK$5,539/mo
Deposit HK$8.05M · loan HK$18.78M · min. income ≈ HK$182,064/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,297
−HK$5,148/mo
▼ 0.25% · 3.875%
HK$97,852
−HK$2,593/mo
Today · 4.125%
HK$100,445
baseline
▲ 0.50% · 4.625%
HK$105,740
+HK$5,295/mo
Deposit HK$8.05M · loan HK$18.78M · min. income ≈ HK$200,890/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,135
−HK$6,907/mo
▼ 0.25% · 3.875%
HK$113,561
−HK$3,481/mo
Today · 4.125%
HK$117,042
baseline
▲ 0.50% · 4.625%
HK$124,163
+HK$7,121/mo
Deposit HK$2.68M · loan HK$24.15M · min. income ≈ HK$234,084/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,140,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,524
−HK$6,620/mo
▼ 0.25% · 3.875%
HK$125,810
−HK$3,334/mo
Today · 4.125%
HK$129,144
baseline
▲ 0.50% · 4.625%
HK$135,951
+HK$6,807/mo
Deposit HK$2.68M · loan HK$24.15M · min. income ≈ HK$258,288/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,140,403 · Scale 2, in force from 26 Feb 2026)