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$61,139
−HK$3,833/mo
▼ 0.25% · 3.875%
HK$63,040
−HK$1,932/mo
Today · 4.125%
HK$64,972
baseline
▲ 0.50% · 4.625%
HK$68,926
+HK$3,954/mo
Deposit HK$13.41M · loan HK$13.41M · min. income ≈ HK$129,944/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,139,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,016
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$69,840
−HK$1,851/mo
Today · 4.125%
HK$71,691
baseline
▲ 0.50% · 4.625%
HK$75,470
+HK$3,779/mo
Deposit HK$13.41M · loan HK$13.41M · min. income ≈ HK$143,382/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,139,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,366
−HK$4,601/mo
▼ 0.25% · 3.875%
HK$75,648
−HK$2,319/mo
Today · 4.125%
HK$77,967
baseline
▲ 0.50% · 4.625%
HK$82,711
+HK$4,744/mo
Deposit HK$10.72M · loan HK$16.09M · min. income ≈ HK$155,934/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,139,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,619
−HK$4,410/mo
▼ 0.25% · 3.875%
HK$83,808
−HK$2,221/mo
Today · 4.125%
HK$86,029
baseline
▲ 0.50% · 4.625%
HK$90,564
+HK$4,535/mo
Deposit HK$10.72M · loan HK$16.09M · min. income ≈ HK$172,058/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,139,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,594
−HK$5,367/mo
▼ 0.25% · 3.875%
HK$88,256
−HK$2,705/mo
Today · 4.125%
HK$90,961
baseline
▲ 0.50% · 4.625%
HK$96,496
+HK$5,535/mo
Deposit HK$8.04M · loan HK$18.77M · min. income ≈ HK$181,922/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,139,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,222
−HK$5,145/mo
▼ 0.25% · 3.875%
HK$97,776
−HK$2,591/mo
Today · 4.125%
HK$100,367
baseline
▲ 0.50% · 4.625%
HK$105,657
+HK$5,290/mo
Deposit HK$8.04M · loan HK$18.77M · min. income ≈ HK$200,734/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,139,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,049
−HK$6,901/mo
▼ 0.25% · 3.875%
HK$113,473
−HK$3,477/mo
Today · 4.125%
HK$116,950
baseline
▲ 0.50% · 4.625%
HK$124,067
+HK$7,117/mo
Deposit HK$2.68M · loan HK$24.13M · min. income ≈ HK$233,900/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,139,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,429
−HK$6,614/mo
▼ 0.25% · 3.875%
HK$125,712
−HK$3,331/mo
Today · 4.125%
HK$129,043
baseline
▲ 0.50% · 4.625%
HK$135,845
+HK$6,802/mo
Deposit HK$2.68M · loan HK$24.13M · min. income ≈ HK$258,086/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,139,516 · Scale 2, in force from 26 Feb 2026)