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$61,194
−HK$3,838/mo
▼ 0.25% · 3.875%
HK$63,098
−HK$1,934/mo
Today · 4.125%
HK$65,032
baseline
▲ 0.50% · 4.625%
HK$68,989
+HK$3,957/mo
Deposit HK$13.42M · loan HK$13.42M · min. income ≈ HK$130,064/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,140,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,078
−HK$3,678/mo
▼ 0.25% · 3.875%
HK$69,904
−HK$1,852/mo
Today · 4.125%
HK$71,756
baseline
▲ 0.50% · 4.625%
HK$75,538
+HK$3,782/mo
Deposit HK$13.42M · loan HK$13.42M · min. income ≈ HK$143,512/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,140,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,433
−HK$4,605/mo
▼ 0.25% · 3.875%
HK$75,717
−HK$2,321/mo
Today · 4.125%
HK$78,038
baseline
▲ 0.50% · 4.625%
HK$82,786
+HK$4,748/mo
Deposit HK$10.73M · loan HK$16.10M · min. income ≈ HK$156,076/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,140,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,694
−HK$4,413/mo
▼ 0.25% · 3.875%
HK$83,885
−HK$2,222/mo
Today · 4.125%
HK$86,107
baseline
▲ 0.50% · 4.625%
HK$90,646
+HK$4,539/mo
Deposit HK$10.73M · loan HK$16.10M · min. income ≈ HK$172,214/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,140,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,672
−HK$5,372/mo
▼ 0.25% · 3.875%
HK$88,337
−HK$2,707/mo
Today · 4.125%
HK$91,044
baseline
▲ 0.50% · 4.625%
HK$96,584
+HK$5,540/mo
Deposit HK$8.05M · loan HK$18.79M · min. income ≈ HK$182,088/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,309
−HK$5,149/mo
▼ 0.25% · 3.875%
HK$97,865
−HK$2,593/mo
Today · 4.125%
HK$100,458
baseline
▲ 0.50% · 4.625%
HK$105,754
+HK$5,296/mo
Deposit HK$8.05M · loan HK$18.79M · min. income ≈ HK$200,916/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,150
−HK$6,907/mo
▼ 0.25% · 3.875%
HK$113,576
−HK$3,481/mo
Today · 4.125%
HK$117,057
baseline
▲ 0.50% · 4.625%
HK$124,180
+HK$7,123/mo
Deposit HK$2.68M · loan HK$24.15M · min. income ≈ HK$234,114/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,140,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,540
−HK$6,621/mo
▼ 0.25% · 3.875%
HK$125,827
−HK$3,334/mo
Today · 4.125%
HK$129,161
baseline
▲ 0.50% · 4.625%
HK$135,969
+HK$6,808/mo
Deposit HK$2.68M · loan HK$24.15M · min. income ≈ HK$258,322/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,140,555 · Scale 2, in force from 26 Feb 2026)