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$61,159
−HK$3,835/mo
▼ 0.25% · 3.875%
HK$63,061
−HK$1,933/mo
Today · 4.125%
HK$64,994
baseline
▲ 0.50% · 4.625%
HK$68,949
+HK$3,955/mo
Deposit HK$13.41M · loan HK$13.41M · min. income ≈ HK$129,988/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,139,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,039
−HK$3,676/mo
▼ 0.25% · 3.875%
HK$69,864
−HK$1,851/mo
Today · 4.125%
HK$71,715
baseline
▲ 0.50% · 4.625%
HK$75,495
+HK$3,780/mo
Deposit HK$13.41M · loan HK$13.41M · min. income ≈ HK$143,430/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,139,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,391
−HK$4,602/mo
▼ 0.25% · 3.875%
HK$75,674
−HK$2,319/mo
Today · 4.125%
HK$77,993
baseline
▲ 0.50% · 4.625%
HK$82,739
+HK$4,746/mo
Deposit HK$10.73M · loan HK$16.09M · min. income ≈ HK$155,986/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,139,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,647
−HK$4,411/mo
▼ 0.25% · 3.875%
HK$83,836
−HK$2,222/mo
Today · 4.125%
HK$86,058
baseline
▲ 0.50% · 4.625%
HK$90,594
+HK$4,536/mo
Deposit HK$10.73M · loan HK$16.09M · min. income ≈ HK$172,116/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,139,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,623
−HK$5,369/mo
▼ 0.25% · 3.875%
HK$88,286
−HK$2,706/mo
Today · 4.125%
HK$90,992
baseline
▲ 0.50% · 4.625%
HK$96,529
+HK$5,537/mo
Deposit HK$8.05M · loan HK$18.77M · min. income ≈ HK$181,984/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,139,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,254
−HK$5,147/mo
▼ 0.25% · 3.875%
HK$97,809
−HK$2,592/mo
Today · 4.125%
HK$100,401
baseline
▲ 0.50% · 4.625%
HK$105,693
+HK$5,292/mo
Deposit HK$8.05M · loan HK$18.77M · min. income ≈ HK$200,802/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,139,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,086
−HK$6,904/mo
▼ 0.25% · 3.875%
HK$113,511
−HK$3,479/mo
Today · 4.125%
HK$116,990
baseline
▲ 0.50% · 4.625%
HK$124,108
+HK$7,118/mo
Deposit HK$2.68M · loan HK$24.14M · min. income ≈ HK$233,980/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,139,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,470
−HK$6,617/mo
▼ 0.25% · 3.875%
HK$125,754
−HK$3,333/mo
Today · 4.125%
HK$129,087
baseline
▲ 0.50% · 4.625%
HK$135,891
+HK$6,804/mo
Deposit HK$2.68M · loan HK$24.14M · min. income ≈ HK$258,174/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,139,898 · Scale 2, in force from 26 Feb 2026)