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$61,088
−HK$3,831/mo
▼ 0.25% · 3.875%
HK$62,988
−HK$1,931/mo
Today · 4.125%
HK$64,919
baseline
▲ 0.50% · 4.625%
HK$68,869
+HK$3,950/mo
Deposit HK$13.39M · loan HK$13.39M · min. income ≈ HK$129,838/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,138,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,960
−HK$3,671/mo
▼ 0.25% · 3.875%
HK$69,782
−HK$1,849/mo
Today · 4.125%
HK$71,631
baseline
▲ 0.50% · 4.625%
HK$75,407
+HK$3,776/mo
Deposit HK$13.39M · loan HK$13.39M · min. income ≈ HK$143,262/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,138,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,306
−HK$4,596/mo
▼ 0.25% · 3.875%
HK$75,586
−HK$2,316/mo
Today · 4.125%
HK$77,902
baseline
▲ 0.50% · 4.625%
HK$82,643
+HK$4,741/mo
Deposit HK$10.72M · loan HK$16.07M · min. income ≈ HK$155,804/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,138,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,552
−HK$4,406/mo
▼ 0.25% · 3.875%
HK$83,739
−HK$2,219/mo
Today · 4.125%
HK$85,958
baseline
▲ 0.50% · 4.625%
HK$90,489
+HK$4,531/mo
Deposit HK$10.72M · loan HK$16.07M · min. income ≈ HK$171,916/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,138,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,523
−HK$5,363/mo
▼ 0.25% · 3.875%
HK$88,183
−HK$2,703/mo
Today · 4.125%
HK$90,886
baseline
▲ 0.50% · 4.625%
HK$96,416
+HK$5,530/mo
Deposit HK$8.04M · loan HK$18.75M · min. income ≈ HK$181,772/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,138,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,144
−HK$5,140/mo
▼ 0.25% · 3.875%
HK$97,695
−HK$2,589/mo
Today · 4.125%
HK$100,284
baseline
▲ 0.50% · 4.625%
HK$105,570
+HK$5,286/mo
Deposit HK$8.04M · loan HK$18.75M · min. income ≈ HK$200,568/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,138,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,958
−HK$6,896/mo
▼ 0.25% · 3.875%
HK$113,379
−HK$3,475/mo
Today · 4.125%
HK$116,854
baseline
▲ 0.50% · 4.625%
HK$123,964
+HK$7,110/mo
Deposit HK$2.68M · loan HK$24.11M · min. income ≈ HK$233,708/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,327
−HK$6,609/mo
▼ 0.25% · 3.875%
HK$125,608
−HK$3,328/mo
Today · 4.125%
HK$128,936
baseline
▲ 0.50% · 4.625%
HK$135,733
+HK$6,797/mo
Deposit HK$2.68M · loan HK$24.11M · min. income ≈ HK$257,872/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,573 · Scale 2, in force from 26 Feb 2026)