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$61,296
−HK$3,843/mo
▼ 0.25% · 3.875%
HK$63,202
−HK$1,937/mo
Today · 4.125%
HK$65,139
baseline
▲ 0.50% · 4.625%
HK$69,103
+HK$3,964/mo
Deposit HK$13.44M · loan HK$13.44M · min. income ≈ HK$130,278/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,142,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,191
−HK$3,684/mo
▼ 0.25% · 3.875%
HK$70,020
−HK$1,855/mo
Today · 4.125%
HK$71,875
baseline
▲ 0.50% · 4.625%
HK$75,663
+HK$3,788/mo
Deposit HK$13.44M · loan HK$13.44M · min. income ≈ HK$143,750/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,142,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,555
−HK$4,612/mo
▼ 0.25% · 3.875%
HK$75,843
−HK$2,324/mo
Today · 4.125%
HK$78,167
baseline
▲ 0.50% · 4.625%
HK$82,924
+HK$4,757/mo
Deposit HK$10.75M · loan HK$16.13M · min. income ≈ HK$156,334/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,142,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,829
−HK$4,421/mo
▼ 0.25% · 3.875%
HK$84,023
−HK$2,227/mo
Today · 4.125%
HK$86,250
baseline
▲ 0.50% · 4.625%
HK$90,796
+HK$4,546/mo
Deposit HK$10.75M · loan HK$16.13M · min. income ≈ HK$172,500/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,142,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,814
−HK$5,381/mo
▼ 0.25% · 3.875%
HK$88,483
−HK$2,712/mo
Today · 4.125%
HK$91,195
baseline
▲ 0.50% · 4.625%
HK$96,744
+HK$5,549/mo
Deposit HK$8.06M · loan HK$18.82M · min. income ≈ HK$182,390/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,142,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,467
−HK$5,158/mo
▼ 0.25% · 3.875%
HK$98,027
−HK$2,598/mo
Today · 4.125%
HK$100,625
baseline
▲ 0.50% · 4.625%
HK$105,929
+HK$5,304/mo
Deposit HK$8.06M · loan HK$18.82M · min. income ≈ HK$201,250/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,142,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,332
−HK$6,919/mo
▼ 0.25% · 3.875%
HK$113,764
−HK$3,487/mo
Today · 4.125%
HK$117,251
baseline
▲ 0.50% · 4.625%
HK$124,385
+HK$7,134/mo
Deposit HK$2.69M · loan HK$24.19M · min. income ≈ HK$234,502/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,743
−HK$6,632/mo
▼ 0.25% · 3.875%
HK$126,035
−HK$3,340/mo
Today · 4.125%
HK$129,375
baseline
▲ 0.50% · 4.625%
HK$136,194
+HK$6,819/mo
Deposit HK$2.69M · loan HK$24.19M · min. income ≈ HK$258,750/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,443 · Scale 2, in force from 26 Feb 2026)