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$61,224
−HK$3,840/mo
▼ 0.25% · 3.875%
HK$63,129
−HK$1,935/mo
Today · 4.125%
HK$65,064
baseline
▲ 0.50% · 4.625%
HK$69,023
+HK$3,959/mo
Deposit HK$13.42M · loan HK$13.42M · min. income ≈ HK$130,128/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,141,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,112
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$69,938
−HK$1,853/mo
Today · 4.125%
HK$71,791
baseline
▲ 0.50% · 4.625%
HK$75,576
+HK$3,785/mo
Deposit HK$13.42M · loan HK$13.42M · min. income ≈ HK$143,582/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,141,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,469
−HK$4,608/mo
▼ 0.25% · 3.875%
HK$75,755
−HK$2,322/mo
Today · 4.125%
HK$78,077
baseline
▲ 0.50% · 4.625%
HK$82,827
+HK$4,750/mo
Deposit HK$10.74M · loan HK$16.11M · min. income ≈ HK$156,154/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,141,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,734
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$83,926
−HK$2,224/mo
Today · 4.125%
HK$86,150
baseline
▲ 0.50% · 4.625%
HK$90,691
+HK$4,541/mo
Deposit HK$10.74M · loan HK$16.11M · min. income ≈ HK$172,300/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,141,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,714
−HK$5,375/mo
▼ 0.25% · 3.875%
HK$88,380
−HK$2,709/mo
Today · 4.125%
HK$91,089
baseline
▲ 0.50% · 4.625%
HK$96,632
+HK$5,543/mo
Deposit HK$8.05M · loan HK$18.79M · min. income ≈ HK$182,178/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,141,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,356
−HK$5,152/mo
▼ 0.25% · 3.875%
HK$97,914
−HK$2,594/mo
Today · 4.125%
HK$100,508
baseline
▲ 0.50% · 4.625%
HK$105,806
+HK$5,298/mo
Deposit HK$8.05M · loan HK$18.79M · min. income ≈ HK$201,016/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,141,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,204
−HK$6,911/mo
▼ 0.25% · 3.875%
HK$113,632
−HK$3,483/mo
Today · 4.125%
HK$117,115
baseline
▲ 0.50% · 4.625%
HK$124,241
+HK$7,126/mo
Deposit HK$2.68M · loan HK$24.16M · min. income ≈ HK$234,230/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,141,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,601
−HK$6,624/mo
▼ 0.25% · 3.875%
HK$125,889
−HK$3,336/mo
Today · 4.125%
HK$129,225
baseline
▲ 0.50% · 4.625%
HK$136,036
+HK$6,811/mo
Deposit HK$2.68M · loan HK$24.16M · min. income ≈ HK$258,450/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,141,117 · Scale 2, in force from 26 Feb 2026)