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$61,197
−HK$3,837/mo
▼ 0.25% · 3.875%
HK$63,100
−HK$1,934/mo
Today · 4.125%
HK$65,034
baseline
▲ 0.50% · 4.625%
HK$68,991
+HK$3,957/mo
Deposit HK$13.42M · loan HK$13.42M · min. income ≈ HK$130,068/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,140,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,081
−HK$3,678/mo
▼ 0.25% · 3.875%
HK$69,907
−HK$1,852/mo
Today · 4.125%
HK$71,759
baseline
▲ 0.50% · 4.625%
HK$75,541
+HK$3,782/mo
Deposit HK$13.42M · loan HK$13.42M · min. income ≈ HK$143,518/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,140,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,436
−HK$4,605/mo
▼ 0.25% · 3.875%
HK$75,720
−HK$2,321/mo
Today · 4.125%
HK$78,041
baseline
▲ 0.50% · 4.625%
HK$82,790
+HK$4,749/mo
Deposit HK$10.74M · loan HK$16.10M · min. income ≈ HK$156,082/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,140,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,697
−HK$4,414/mo
▼ 0.25% · 3.875%
HK$83,888
−HK$2,223/mo
Today · 4.125%
HK$86,111
baseline
▲ 0.50% · 4.625%
HK$90,650
+HK$4,539/mo
Deposit HK$10.74M · loan HK$16.10M · min. income ≈ HK$172,222/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,140,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,675
−HK$5,373/mo
▼ 0.25% · 3.875%
HK$88,340
−HK$2,708/mo
Today · 4.125%
HK$91,048
baseline
▲ 0.50% · 4.625%
HK$96,588
+HK$5,540/mo
Deposit HK$8.05M · loan HK$18.79M · min. income ≈ HK$182,096/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,313
−HK$5,149/mo
▼ 0.25% · 3.875%
HK$97,869
−HK$2,593/mo
Today · 4.125%
HK$100,462
baseline
▲ 0.50% · 4.625%
HK$105,758
+HK$5,296/mo
Deposit HK$8.05M · loan HK$18.79M · min. income ≈ HK$200,924/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,154
−HK$6,908/mo
▼ 0.25% · 3.875%
HK$113,580
−HK$3,482/mo
Today · 4.125%
HK$117,062
baseline
▲ 0.50% · 4.625%
HK$124,185
+HK$7,123/mo
Deposit HK$2.68M · loan HK$24.15M · min. income ≈ HK$234,124/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,140,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,545
−HK$6,621/mo
▼ 0.25% · 3.875%
HK$125,832
−HK$3,334/mo
Today · 4.125%
HK$129,166
baseline
▲ 0.50% · 4.625%
HK$135,975
+HK$6,809/mo
Deposit HK$2.68M · loan HK$24.15M · min. income ≈ HK$258,332/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,140,600 · Scale 2, in force from 26 Feb 2026)