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$61,247
−HK$3,841/mo
▼ 0.25% · 3.875%
HK$63,152
−HK$1,936/mo
Today · 4.125%
HK$65,088
baseline
▲ 0.50% · 4.625%
HK$69,048
+HK$3,960/mo
Deposit HK$13.43M · loan HK$13.43M · min. income ≈ HK$130,176/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,141,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,137
−HK$3,681/mo
▼ 0.25% · 3.875%
HK$69,964
−HK$1,854/mo
Today · 4.125%
HK$71,818
baseline
▲ 0.50% · 4.625%
HK$75,604
+HK$3,786/mo
Deposit HK$13.43M · loan HK$13.43M · min. income ≈ HK$143,636/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,141,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,496
−HK$4,609/mo
▼ 0.25% · 3.875%
HK$75,783
−HK$2,322/mo
Today · 4.125%
HK$78,105
baseline
▲ 0.50% · 4.625%
HK$82,858
+HK$4,753/mo
Deposit HK$10.74M · loan HK$16.12M · min. income ≈ HK$156,210/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,141,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,764
−HK$4,418/mo
▼ 0.25% · 3.875%
HK$83,957
−HK$2,225/mo
Today · 4.125%
HK$86,182
baseline
▲ 0.50% · 4.625%
HK$90,724
+HK$4,542/mo
Deposit HK$10.74M · loan HK$16.12M · min. income ≈ HK$172,364/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,141,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,746
−HK$5,377/mo
▼ 0.25% · 3.875%
HK$88,413
−HK$2,710/mo
Today · 4.125%
HK$91,123
baseline
▲ 0.50% · 4.625%
HK$96,668
+HK$5,545/mo
Deposit HK$8.06M · loan HK$18.80M · min. income ≈ HK$182,246/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,141,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,391
−HK$5,154/mo
▼ 0.25% · 3.875%
HK$97,950
−HK$2,595/mo
Today · 4.125%
HK$100,545
baseline
▲ 0.50% · 4.625%
HK$105,845
+HK$5,300/mo
Deposit HK$8.06M · loan HK$18.80M · min. income ≈ HK$201,090/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,141,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,245
−HK$6,913/mo
▼ 0.25% · 3.875%
HK$113,674
−HK$3,484/mo
Today · 4.125%
HK$117,158
baseline
▲ 0.50% · 4.625%
HK$124,287
+HK$7,129/mo
Deposit HK$2.69M · loan HK$24.17M · min. income ≈ HK$234,316/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,141,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,646
−HK$6,626/mo
▼ 0.25% · 3.875%
HK$125,935
−HK$3,337/mo
Today · 4.125%
HK$129,272
baseline
▲ 0.50% · 4.625%
HK$136,086
+HK$6,814/mo
Deposit HK$2.69M · loan HK$24.17M · min. income ≈ HK$258,544/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,141,539 · Scale 2, in force from 26 Feb 2026)