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$61,202
−HK$3,838/mo
▼ 0.25% · 3.875%
HK$63,106
−HK$1,934/mo
Today · 4.125%
HK$65,040
baseline
▲ 0.50% · 4.625%
HK$68,998
+HK$3,958/mo
Deposit HK$13.42M · loan HK$13.42M · min. income ≈ HK$130,080/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,140,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,087
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$69,913
−HK$1,853/mo
Today · 4.125%
HK$71,766
baseline
▲ 0.50% · 4.625%
HK$75,549
+HK$3,783/mo
Deposit HK$13.42M · loan HK$13.42M · min. income ≈ HK$143,532/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,140,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,443
−HK$4,605/mo
▼ 0.25% · 3.875%
HK$75,727
−HK$2,321/mo
Today · 4.125%
HK$78,048
baseline
▲ 0.50% · 4.625%
HK$82,798
+HK$4,750/mo
Deposit HK$10.74M · loan HK$16.10M · min. income ≈ HK$156,096/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,140,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,705
−HK$4,414/mo
▼ 0.25% · 3.875%
HK$83,896
−HK$2,223/mo
Today · 4.125%
HK$86,119
baseline
▲ 0.50% · 4.625%
HK$90,658
+HK$4,539/mo
Deposit HK$10.74M · loan HK$16.10M · min. income ≈ HK$172,238/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,140,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,683
−HK$5,374/mo
▼ 0.25% · 3.875%
HK$88,349
−HK$2,708/mo
Today · 4.125%
HK$91,057
baseline
▲ 0.50% · 4.625%
HK$96,597
+HK$5,540/mo
Deposit HK$8.05M · loan HK$18.79M · min. income ≈ HK$182,114/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,322
−HK$5,150/mo
▼ 0.25% · 3.875%
HK$97,878
−HK$2,594/mo
Today · 4.125%
HK$100,472
baseline
▲ 0.50% · 4.625%
HK$105,768
+HK$5,296/mo
Deposit HK$8.05M · loan HK$18.79M · min. income ≈ HK$200,944/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,164
−HK$6,909/mo
▼ 0.25% · 3.875%
HK$113,591
−HK$3,482/mo
Today · 4.125%
HK$117,073
baseline
▲ 0.50% · 4.625%
HK$124,196
+HK$7,123/mo
Deposit HK$2.68M · loan HK$24.16M · min. income ≈ HK$234,146/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,140,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,557
−HK$6,621/mo
▼ 0.25% · 3.875%
HK$125,844
−HK$3,334/mo
Today · 4.125%
HK$129,178
baseline
▲ 0.50% · 4.625%
HK$135,987
+HK$6,809/mo
Deposit HK$2.68M · loan HK$24.16M · min. income ≈ HK$258,356/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,140,707 · Scale 2, in force from 26 Feb 2026)