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$61,201
−HK$3,837/mo
▼ 0.25% · 3.875%
HK$63,104
−HK$1,934/mo
Today · 4.125%
HK$65,038
baseline
▲ 0.50% · 4.625%
HK$68,996
+HK$3,958/mo
Deposit HK$13.42M · loan HK$13.42M · min. income ≈ HK$130,076/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,140,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,085
−HK$3,678/mo
▼ 0.25% · 3.875%
HK$69,911
−HK$1,852/mo
Today · 4.125%
HK$71,763
baseline
▲ 0.50% · 4.625%
HK$75,546
+HK$3,783/mo
Deposit HK$13.42M · loan HK$13.42M · min. income ≈ HK$143,526/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,140,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,441
−HK$4,605/mo
▼ 0.25% · 3.875%
HK$75,725
−HK$2,321/mo
Today · 4.125%
HK$78,046
baseline
▲ 0.50% · 4.625%
HK$82,795
+HK$4,749/mo
Deposit HK$10.74M · loan HK$16.10M · min. income ≈ HK$156,092/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,140,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,702
−HK$4,414/mo
▼ 0.25% · 3.875%
HK$83,893
−HK$2,223/mo
Today · 4.125%
HK$86,116
baseline
▲ 0.50% · 4.625%
HK$90,655
+HK$4,539/mo
Deposit HK$10.74M · loan HK$16.10M · min. income ≈ HK$172,232/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,140,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,681
−HK$5,373/mo
▼ 0.25% · 3.875%
HK$88,346
−HK$2,708/mo
Today · 4.125%
HK$91,054
baseline
▲ 0.50% · 4.625%
HK$96,594
+HK$5,540/mo
Deposit HK$8.05M · loan HK$18.79M · min. income ≈ HK$182,108/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,319
−HK$5,150/mo
▼ 0.25% · 3.875%
HK$97,875
−HK$2,594/mo
Today · 4.125%
HK$100,469
baseline
▲ 0.50% · 4.625%
HK$105,765
+HK$5,296/mo
Deposit HK$8.05M · loan HK$18.79M · min. income ≈ HK$200,938/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,161
−HK$6,908/mo
▼ 0.25% · 3.875%
HK$113,588
−HK$3,481/mo
Today · 4.125%
HK$117,069
baseline
▲ 0.50% · 4.625%
HK$124,192
+HK$7,123/mo
Deposit HK$2.68M · loan HK$24.16M · min. income ≈ HK$234,138/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,140,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,553
−HK$6,621/mo
▼ 0.25% · 3.875%
HK$125,840
−HK$3,334/mo
Today · 4.125%
HK$129,174
baseline
▲ 0.50% · 4.625%
HK$135,983
+HK$6,809/mo
Deposit HK$2.68M · loan HK$24.16M · min. income ≈ HK$258,348/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,140,672 · Scale 2, in force from 26 Feb 2026)