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$61,115
−HK$3,832/mo
▼ 0.25% · 3.875%
HK$63,016
−HK$1,931/mo
Today · 4.125%
HK$64,947
baseline
▲ 0.50% · 4.625%
HK$68,899
+HK$3,952/mo
Deposit HK$13.40M · loan HK$13.40M · min. income ≈ HK$129,894/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,139,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,990
−HK$3,673/mo
▼ 0.25% · 3.875%
HK$69,813
−HK$1,850/mo
Today · 4.125%
HK$71,663
baseline
▲ 0.50% · 4.625%
HK$75,441
+HK$3,778/mo
Deposit HK$13.40M · loan HK$13.40M · min. income ≈ HK$143,326/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,139,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,338
−HK$4,599/mo
▼ 0.25% · 3.875%
HK$75,619
−HK$2,318/mo
Today · 4.125%
HK$77,937
baseline
▲ 0.50% · 4.625%
HK$82,679
+HK$4,742/mo
Deposit HK$10.72M · loan HK$16.08M · min. income ≈ HK$155,874/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,139,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,588
−HK$4,408/mo
▼ 0.25% · 3.875%
HK$83,776
−HK$2,220/mo
Today · 4.125%
HK$85,996
baseline
▲ 0.50% · 4.625%
HK$90,529
+HK$4,533/mo
Deposit HK$10.72M · loan HK$16.08M · min. income ≈ HK$171,992/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,139,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,561
−HK$5,365/mo
▼ 0.25% · 3.875%
HK$88,222
−HK$2,704/mo
Today · 4.125%
HK$90,926
baseline
▲ 0.50% · 4.625%
HK$96,459
+HK$5,533/mo
Deposit HK$8.04M · loan HK$18.76M · min. income ≈ HK$181,852/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,139,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,186
−HK$5,142/mo
▼ 0.25% · 3.875%
HK$97,739
−HK$2,589/mo
Today · 4.125%
HK$100,328
baseline
▲ 0.50% · 4.625%
HK$105,617
+HK$5,289/mo
Deposit HK$8.04M · loan HK$18.76M · min. income ≈ HK$200,656/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,139,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,007
−HK$6,898/mo
▼ 0.25% · 3.875%
HK$113,429
−HK$3,476/mo
Today · 4.125%
HK$116,905
baseline
▲ 0.50% · 4.625%
HK$124,019
+HK$7,114/mo
Deposit HK$2.68M · loan HK$24.12M · min. income ≈ HK$233,810/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,139,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,382
−HK$6,611/mo
▼ 0.25% · 3.875%
HK$125,664
−HK$3,329/mo
Today · 4.125%
HK$128,993
baseline
▲ 0.50% · 4.625%
HK$135,793
+HK$6,800/mo
Deposit HK$2.68M · loan HK$24.12M · min. income ≈ HK$257,986/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,139,076 · Scale 2, in force from 26 Feb 2026)