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$61,030
−HK$3,827/mo
▼ 0.25% · 3.875%
HK$62,929
−HK$1,928/mo
Today · 4.125%
HK$64,857
baseline
▲ 0.50% · 4.625%
HK$68,804
+HK$3,947/mo
Deposit HK$13.38M · loan HK$13.38M · min. income ≈ HK$129,714/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,137,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,896
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$69,716
−HK$1,848/mo
Today · 4.125%
HK$71,564
baseline
▲ 0.50% · 4.625%
HK$75,336
+HK$3,772/mo
Deposit HK$13.38M · loan HK$13.38M · min. income ≈ HK$143,128/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,137,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,236
−HK$4,593/mo
▼ 0.25% · 3.875%
HK$75,514
−HK$2,315/mo
Today · 4.125%
HK$77,829
baseline
▲ 0.50% · 4.625%
HK$82,565
+HK$4,736/mo
Deposit HK$10.71M · loan HK$16.06M · min. income ≈ HK$155,658/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,137,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,475
−HK$4,401/mo
▼ 0.25% · 3.875%
HK$83,660
−HK$2,216/mo
Today · 4.125%
HK$85,876
baseline
▲ 0.50% · 4.625%
HK$90,403
+HK$4,527/mo
Deposit HK$10.71M · loan HK$16.06M · min. income ≈ HK$171,752/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,137,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,442
−HK$5,358/mo
▼ 0.25% · 3.875%
HK$88,100
−HK$2,700/mo
Today · 4.125%
HK$90,800
baseline
▲ 0.50% · 4.625%
HK$96,325
+HK$5,525/mo
Deposit HK$8.03M · loan HK$18.74M · min. income ≈ HK$181,600/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,137,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,054
−HK$5,135/mo
▼ 0.25% · 3.875%
HK$97,603
−HK$2,586/mo
Today · 4.125%
HK$100,189
baseline
▲ 0.50% · 4.625%
HK$105,470
+HK$5,281/mo
Deposit HK$8.03M · loan HK$18.74M · min. income ≈ HK$200,378/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,137,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,854
−HK$6,889/mo
▼ 0.25% · 3.875%
HK$113,272
−HK$3,471/mo
Today · 4.125%
HK$116,743
baseline
▲ 0.50% · 4.625%
HK$123,847
+HK$7,104/mo
Deposit HK$2.68M · loan HK$24.09M · min. income ≈ HK$233,486/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,137,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,212
−HK$6,603/mo
▼ 0.25% · 3.875%
HK$125,490
−HK$3,325/mo
Today · 4.125%
HK$128,815
baseline
▲ 0.50% · 4.625%
HK$135,605
+HK$6,790/mo
Deposit HK$2.68M · loan HK$24.09M · min. income ≈ HK$257,630/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,137,498 · Scale 2, in force from 26 Feb 2026)