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$61,263
−HK$3,842/mo
▼ 0.25% · 3.875%
HK$63,169
−HK$1,936/mo
Today · 4.125%
HK$65,105
baseline
▲ 0.50% · 4.625%
HK$69,067
+HK$3,962/mo
Deposit HK$13.43M · loan HK$13.43M · min. income ≈ HK$130,210/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,141,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,155
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$69,983
−HK$1,854/mo
Today · 4.125%
HK$71,837
baseline
▲ 0.50% · 4.625%
HK$75,624
+HK$3,787/mo
Deposit HK$13.43M · loan HK$13.43M · min. income ≈ HK$143,674/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,141,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,516
−HK$4,610/mo
▼ 0.25% · 3.875%
HK$75,803
−HK$2,323/mo
Today · 4.125%
HK$78,126
baseline
▲ 0.50% · 4.625%
HK$82,880
+HK$4,754/mo
Deposit HK$10.75M · loan HK$16.12M · min. income ≈ HK$156,252/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,141,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,786
−HK$4,419/mo
▼ 0.25% · 3.875%
HK$83,979
−HK$2,226/mo
Today · 4.125%
HK$86,205
baseline
▲ 0.50% · 4.625%
HK$90,749
+HK$4,544/mo
Deposit HK$10.75M · loan HK$16.12M · min. income ≈ HK$172,410/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,141,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,769
−HK$5,378/mo
▼ 0.25% · 3.875%
HK$88,437
−HK$2,710/mo
Today · 4.125%
HK$91,147
baseline
▲ 0.50% · 4.625%
HK$96,693
+HK$5,546/mo
Deposit HK$8.06M · loan HK$18.81M · min. income ≈ HK$182,294/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,141,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,417
−HK$5,155/mo
▼ 0.25% · 3.875%
HK$97,976
−HK$2,596/mo
Today · 4.125%
HK$100,572
baseline
▲ 0.50% · 4.625%
HK$105,873
+HK$5,301/mo
Deposit HK$8.06M · loan HK$18.81M · min. income ≈ HK$201,144/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,141,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,274
−HK$6,915/mo
▼ 0.25% · 3.875%
HK$113,704
−HK$3,485/mo
Today · 4.125%
HK$117,189
baseline
▲ 0.50% · 4.625%
HK$124,320
+HK$7,131/mo
Deposit HK$2.69M · loan HK$24.18M · min. income ≈ HK$234,378/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,141,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,679
−HK$6,628/mo
▼ 0.25% · 3.875%
HK$125,969
−HK$3,338/mo
Today · 4.125%
HK$129,307
baseline
▲ 0.50% · 4.625%
HK$136,123
+HK$6,816/mo
Deposit HK$2.69M · loan HK$24.18M · min. income ≈ HK$258,614/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,141,843 · Scale 2, in force from 26 Feb 2026)