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$61,018
−HK$3,827/mo
▼ 0.25% · 3.875%
HK$62,916
−HK$1,929/mo
Today · 4.125%
HK$64,845
baseline
▲ 0.50% · 4.625%
HK$68,790
+HK$3,945/mo
Deposit HK$13.38M · loan HK$13.38M · min. income ≈ HK$129,690/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,137,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,882
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$69,703
−HK$1,847/mo
Today · 4.125%
HK$71,550
baseline
▲ 0.50% · 4.625%
HK$75,321
+HK$3,771/mo
Deposit HK$13.38M · loan HK$13.38M · min. income ≈ HK$143,100/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,137,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,222
−HK$4,592/mo
▼ 0.25% · 3.875%
HK$75,500
−HK$2,314/mo
Today · 4.125%
HK$77,814
baseline
▲ 0.50% · 4.625%
HK$82,549
+HK$4,735/mo
Deposit HK$10.70M · loan HK$16.06M · min. income ≈ HK$155,628/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,137,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,459
−HK$4,401/mo
▼ 0.25% · 3.875%
HK$83,644
−HK$2,216/mo
Today · 4.125%
HK$85,860
baseline
▲ 0.50% · 4.625%
HK$90,386
+HK$4,526/mo
Deposit HK$10.70M · loan HK$16.06M · min. income ≈ HK$171,720/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,137,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,426
−HK$5,357/mo
▼ 0.25% · 3.875%
HK$88,083
−HK$2,700/mo
Today · 4.125%
HK$90,783
baseline
▲ 0.50% · 4.625%
HK$96,307
+HK$5,524/mo
Deposit HK$8.03M · loan HK$18.73M · min. income ≈ HK$181,566/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,137,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,035
−HK$5,135/mo
▼ 0.25% · 3.875%
HK$97,584
−HK$2,586/mo
Today · 4.125%
HK$100,170
baseline
▲ 0.50% · 4.625%
HK$105,450
+HK$5,280/mo
Deposit HK$8.03M · loan HK$18.73M · min. income ≈ HK$200,340/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,137,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,833
−HK$6,888/mo
▼ 0.25% · 3.875%
HK$113,250
−HK$3,471/mo
Today · 4.125%
HK$116,721
baseline
▲ 0.50% · 4.625%
HK$123,823
+HK$7,102/mo
Deposit HK$2.68M · loan HK$24.08M · min. income ≈ HK$233,442/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,137,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,188
−HK$6,602/mo
▼ 0.25% · 3.875%
HK$125,465
−HK$3,325/mo
Today · 4.125%
HK$128,790
baseline
▲ 0.50% · 4.625%
HK$135,578
+HK$6,788/mo
Deposit HK$2.68M · loan HK$24.08M · min. income ≈ HK$257,580/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,137,278 · Scale 2, in force from 26 Feb 2026)