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$61,067
−HK$3,829/mo
▼ 0.25% · 3.875%
HK$62,966
−HK$1,930/mo
Today · 4.125%
HK$64,896
baseline
▲ 0.50% · 4.625%
HK$68,845
+HK$3,949/mo
Deposit HK$13.39M · loan HK$13.39M · min. income ≈ HK$129,792/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,138,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,936
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$69,758
−HK$1,848/mo
Today · 4.125%
HK$71,606
baseline
▲ 0.50% · 4.625%
HK$75,381
+HK$3,775/mo
Deposit HK$13.39M · loan HK$13.39M · min. income ≈ HK$143,212/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,138,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,280
−HK$4,595/mo
▼ 0.25% · 3.875%
HK$75,559
−HK$2,316/mo
Today · 4.125%
HK$77,875
baseline
▲ 0.50% · 4.625%
HK$82,614
+HK$4,739/mo
Deposit HK$10.71M · loan HK$16.07M · min. income ≈ HK$155,750/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,138,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,523
−HK$4,405/mo
▼ 0.25% · 3.875%
HK$83,710
−HK$2,218/mo
Today · 4.125%
HK$85,928
baseline
▲ 0.50% · 4.625%
HK$90,457
+HK$4,529/mo
Deposit HK$10.71M · loan HK$16.07M · min. income ≈ HK$171,856/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,138,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,493
−HK$5,362/mo
▼ 0.25% · 3.875%
HK$88,153
−HK$2,702/mo
Today · 4.125%
HK$90,855
baseline
▲ 0.50% · 4.625%
HK$96,383
+HK$5,528/mo
Deposit HK$8.03M · loan HK$18.75M · min. income ≈ HK$181,710/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,138,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,110
−HK$5,139/mo
▼ 0.25% · 3.875%
HK$97,661
−HK$2,588/mo
Today · 4.125%
HK$100,249
baseline
▲ 0.50% · 4.625%
HK$105,533
+HK$5,284/mo
Deposit HK$8.03M · loan HK$18.75M · min. income ≈ HK$200,498/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,138,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,920
−HK$6,893/mo
▼ 0.25% · 3.875%
HK$113,339
−HK$3,474/mo
Today · 4.125%
HK$116,813
baseline
▲ 0.50% · 4.625%
HK$123,921
+HK$7,108/mo
Deposit HK$2.68M · loan HK$24.10M · min. income ≈ HK$233,626/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,285
−HK$6,607/mo
▼ 0.25% · 3.875%
HK$125,565
−HK$3,327/mo
Today · 4.125%
HK$128,892
baseline
▲ 0.50% · 4.625%
HK$135,686
+HK$6,794/mo
Deposit HK$2.68M · loan HK$24.10M · min. income ≈ HK$257,784/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,177 · Scale 2, in force from 26 Feb 2026)