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$61,061
−HK$3,829/mo
▼ 0.25% · 3.875%
HK$62,961
−HK$1,929/mo
Today · 4.125%
HK$64,890
baseline
▲ 0.50% · 4.625%
HK$68,839
+HK$3,949/mo
Deposit HK$13.39M · loan HK$13.39M · min. income ≈ HK$129,780/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,138,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,930
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$69,752
−HK$1,848/mo
Today · 4.125%
HK$71,600
baseline
▲ 0.50% · 4.625%
HK$75,374
+HK$3,774/mo
Deposit HK$13.39M · loan HK$13.39M · min. income ≈ HK$143,200/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,138,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,274
−HK$4,595/mo
▼ 0.25% · 3.875%
HK$75,553
−HK$2,316/mo
Today · 4.125%
HK$77,869
baseline
▲ 0.50% · 4.625%
HK$82,607
+HK$4,738/mo
Deposit HK$10.71M · loan HK$16.07M · min. income ≈ HK$155,738/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,138,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,516
−HK$4,404/mo
▼ 0.25% · 3.875%
HK$83,702
−HK$2,218/mo
Today · 4.125%
HK$85,920
baseline
▲ 0.50% · 4.625%
HK$90,449
+HK$4,529/mo
Deposit HK$10.71M · loan HK$16.07M · min. income ≈ HK$171,840/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,138,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,486
−HK$5,361/mo
▼ 0.25% · 3.875%
HK$88,145
−HK$2,702/mo
Today · 4.125%
HK$90,847
baseline
▲ 0.50% · 4.625%
HK$96,374
+HK$5,527/mo
Deposit HK$8.03M · loan HK$18.74M · min. income ≈ HK$181,694/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,138,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,102
−HK$5,138/mo
▼ 0.25% · 3.875%
HK$97,653
−HK$2,587/mo
Today · 4.125%
HK$100,240
baseline
▲ 0.50% · 4.625%
HK$105,524
+HK$5,284/mo
Deposit HK$8.03M · loan HK$18.74M · min. income ≈ HK$200,480/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,138,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,910
−HK$6,893/mo
▼ 0.25% · 3.875%
HK$113,329
−HK$3,474/mo
Today · 4.125%
HK$116,803
baseline
▲ 0.50% · 4.625%
HK$123,910
+HK$7,107/mo
Deposit HK$2.68M · loan HK$24.10M · min. income ≈ HK$233,606/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,274
−HK$6,606/mo
▼ 0.25% · 3.875%
HK$125,554
−HK$3,326/mo
Today · 4.125%
HK$128,880
baseline
▲ 0.50% · 4.625%
HK$135,674
+HK$6,794/mo
Deposit HK$2.68M · loan HK$24.10M · min. income ≈ HK$257,760/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,078 · Scale 2, in force from 26 Feb 2026)