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$61,048
−HK$3,828/mo
▼ 0.25% · 3.875%
HK$62,947
−HK$1,929/mo
Today · 4.125%
HK$64,876
baseline
▲ 0.50% · 4.625%
HK$68,823
+HK$3,947/mo
Deposit HK$13.39M · loan HK$13.39M · min. income ≈ HK$129,752/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,137,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,915
−HK$3,669/mo
▼ 0.25% · 3.875%
HK$69,736
−HK$1,848/mo
Today · 4.125%
HK$71,584
baseline
▲ 0.50% · 4.625%
HK$75,357
+HK$3,773/mo
Deposit HK$13.39M · loan HK$13.39M · min. income ≈ HK$143,168/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,137,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,257
−HK$4,594/mo
▼ 0.25% · 3.875%
HK$75,536
−HK$2,315/mo
Today · 4.125%
HK$77,851
baseline
▲ 0.50% · 4.625%
HK$82,588
+HK$4,737/mo
Deposit HK$10.71M · loan HK$16.06M · min. income ≈ HK$155,702/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,137,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,498
−HK$4,403/mo
▼ 0.25% · 3.875%
HK$83,684
−HK$2,217/mo
Today · 4.125%
HK$85,901
baseline
▲ 0.50% · 4.625%
HK$90,429
+HK$4,528/mo
Deposit HK$10.71M · loan HK$16.06M · min. income ≈ HK$171,802/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,137,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,467
−HK$5,359/mo
▼ 0.25% · 3.875%
HK$88,125
−HK$2,701/mo
Today · 4.125%
HK$90,826
baseline
▲ 0.50% · 4.625%
HK$96,353
+HK$5,527/mo
Deposit HK$8.03M · loan HK$18.74M · min. income ≈ HK$181,652/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,137,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,081
−HK$5,137/mo
▼ 0.25% · 3.875%
HK$97,631
−HK$2,587/mo
Today · 4.125%
HK$100,218
baseline
▲ 0.50% · 4.625%
HK$105,500
+HK$5,282/mo
Deposit HK$8.03M · loan HK$18.74M · min. income ≈ HK$200,436/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,137,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,886
−HK$6,891/mo
▼ 0.25% · 3.875%
HK$113,304
−HK$3,473/mo
Today · 4.125%
HK$116,777
baseline
▲ 0.50% · 4.625%
HK$123,882
+HK$7,105/mo
Deposit HK$2.68M · loan HK$24.10M · min. income ≈ HK$233,554/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,137,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,247
−HK$6,604/mo
▼ 0.25% · 3.875%
HK$125,525
−HK$3,326/mo
Today · 4.125%
HK$128,851
baseline
▲ 0.50% · 4.625%
HK$135,643
+HK$6,792/mo
Deposit HK$2.68M · loan HK$24.10M · min. income ≈ HK$257,702/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,137,822 · Scale 2, in force from 26 Feb 2026)