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$61,084
−HK$3,830/mo
▼ 0.25% · 3.875%
HK$62,984
−HK$1,930/mo
Today · 4.125%
HK$64,914
baseline
▲ 0.50% · 4.625%
HK$68,864
+HK$3,950/mo
Deposit HK$13.39M · loan HK$13.39M · min. income ≈ HK$129,828/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,138,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,955
−HK$3,671/mo
▼ 0.25% · 3.875%
HK$69,778
−HK$1,848/mo
Today · 4.125%
HK$71,626
baseline
▲ 0.50% · 4.625%
HK$75,402
+HK$3,776/mo
Deposit HK$13.39M · loan HK$13.39M · min. income ≈ HK$143,252/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,138,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,300
−HK$4,597/mo
▼ 0.25% · 3.875%
HK$75,581
−HK$2,316/mo
Today · 4.125%
HK$77,897
baseline
▲ 0.50% · 4.625%
HK$82,637
+HK$4,740/mo
Deposit HK$10.72M · loan HK$16.07M · min. income ≈ HK$155,794/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,138,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,546
−HK$4,406/mo
▼ 0.25% · 3.875%
HK$83,733
−HK$2,219/mo
Today · 4.125%
HK$85,952
baseline
▲ 0.50% · 4.625%
HK$90,482
+HK$4,530/mo
Deposit HK$10.72M · loan HK$16.07M · min. income ≈ HK$171,904/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,138,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,517
−HK$5,363/mo
▼ 0.25% · 3.875%
HK$88,177
−HK$2,703/mo
Today · 4.125%
HK$90,880
baseline
▲ 0.50% · 4.625%
HK$96,410
+HK$5,530/mo
Deposit HK$8.04M · loan HK$18.75M · min. income ≈ HK$181,760/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,138,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,137
−HK$5,140/mo
▼ 0.25% · 3.875%
HK$97,689
−HK$2,588/mo
Today · 4.125%
HK$100,277
baseline
▲ 0.50% · 4.625%
HK$105,563
+HK$5,286/mo
Deposit HK$8.04M · loan HK$18.75M · min. income ≈ HK$200,554/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,138,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,951
−HK$6,895/mo
▼ 0.25% · 3.875%
HK$113,371
−HK$3,475/mo
Today · 4.125%
HK$116,846
baseline
▲ 0.50% · 4.625%
HK$123,955
+HK$7,109/mo
Deposit HK$2.68M · loan HK$24.11M · min. income ≈ HK$233,692/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,319
−HK$6,609/mo
▼ 0.25% · 3.875%
HK$125,600
−HK$3,328/mo
Today · 4.125%
HK$128,928
baseline
▲ 0.50% · 4.625%
HK$135,723
+HK$6,795/mo
Deposit HK$2.68M · loan HK$24.11M · min. income ≈ HK$257,856/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,494 · Scale 2, in force from 26 Feb 2026)