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$60,978
−HK$3,824/mo
▼ 0.25% · 3.875%
HK$62,875
−HK$1,927/mo
Today · 4.125%
HK$64,802
baseline
▲ 0.50% · 4.625%
HK$68,745
+HK$3,943/mo
Deposit HK$13.37M · loan HK$13.37M · min. income ≈ HK$129,604/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,136,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,837
−HK$3,665/mo
▼ 0.25% · 3.875%
HK$69,657
−HK$1,845/mo
Today · 4.125%
HK$71,502
baseline
▲ 0.50% · 4.625%
HK$75,271
+HK$3,769/mo
Deposit HK$13.37M · loan HK$13.37M · min. income ≈ HK$143,004/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,136,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,174
−HK$4,588/mo
▼ 0.25% · 3.875%
HK$75,450
−HK$2,312/mo
Today · 4.125%
HK$77,762
baseline
▲ 0.50% · 4.625%
HK$82,494
+HK$4,732/mo
Deposit HK$10.70M · loan HK$16.05M · min. income ≈ HK$155,524/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,136,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,405
−HK$4,398/mo
▼ 0.25% · 3.875%
HK$83,588
−HK$2,215/mo
Today · 4.125%
HK$85,803
baseline
▲ 0.50% · 4.625%
HK$90,326
+HK$4,523/mo
Deposit HK$10.70M · loan HK$16.05M · min. income ≈ HK$171,606/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,136,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,369
−HK$5,354/mo
▼ 0.25% · 3.875%
HK$88,025
−HK$2,698/mo
Today · 4.125%
HK$90,723
baseline
▲ 0.50% · 4.625%
HK$96,243
+HK$5,520/mo
Deposit HK$8.02M · loan HK$18.72M · min. income ≈ HK$181,446/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,136,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,972
−HK$5,131/mo
▼ 0.25% · 3.875%
HK$97,519
−HK$2,584/mo
Today · 4.125%
HK$100,103
baseline
▲ 0.50% · 4.625%
HK$105,380
+HK$5,277/mo
Deposit HK$8.02M · loan HK$18.72M · min. income ≈ HK$200,206/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,136,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,760
−HK$6,883/mo
▼ 0.25% · 3.875%
HK$113,174
−HK$3,469/mo
Today · 4.125%
HK$116,643
baseline
▲ 0.50% · 4.625%
HK$123,741
+HK$7,098/mo
Deposit HK$2.67M · loan HK$24.07M · min. income ≈ HK$233,286/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,136,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,107
−HK$6,597/mo
▼ 0.25% · 3.875%
HK$125,382
−HK$3,322/mo
Today · 4.125%
HK$128,704
baseline
▲ 0.50% · 4.625%
HK$135,488
+HK$6,784/mo
Deposit HK$2.67M · loan HK$24.07M · min. income ≈ HK$257,408/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,136,523 · Scale 2, in force from 26 Feb 2026)