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$61,055
−HK$3,829/mo
▼ 0.25% · 3.875%
HK$62,954
−HK$1,930/mo
Today · 4.125%
HK$64,884
baseline
▲ 0.50% · 4.625%
HK$68,832
+HK$3,948/mo
Deposit HK$13.39M · loan HK$13.39M · min. income ≈ HK$129,768/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,137,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,923
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$69,745
−HK$1,848/mo
Today · 4.125%
HK$71,593
baseline
▲ 0.50% · 4.625%
HK$75,366
+HK$3,773/mo
Deposit HK$13.39M · loan HK$13.39M · min. income ≈ HK$143,186/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,137,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,266
−HK$4,594/mo
▼ 0.25% · 3.875%
HK$75,545
−HK$2,315/mo
Today · 4.125%
HK$77,860
baseline
▲ 0.50% · 4.625%
HK$82,598
+HK$4,738/mo
Deposit HK$10.71M · loan HK$16.07M · min. income ≈ HK$155,720/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,137,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,508
−HK$4,403/mo
▼ 0.25% · 3.875%
HK$83,694
−HK$2,217/mo
Today · 4.125%
HK$85,911
baseline
▲ 0.50% · 4.625%
HK$90,440
+HK$4,529/mo
Deposit HK$10.71M · loan HK$16.07M · min. income ≈ HK$171,822/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,137,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,477
−HK$5,360/mo
▼ 0.25% · 3.875%
HK$88,136
−HK$2,701/mo
Today · 4.125%
HK$90,837
baseline
▲ 0.50% · 4.625%
HK$96,364
+HK$5,527/mo
Deposit HK$8.03M · loan HK$18.74M · min. income ≈ HK$181,674/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,137,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,092
−HK$5,138/mo
▼ 0.25% · 3.875%
HK$97,642
−HK$2,588/mo
Today · 4.125%
HK$100,230
baseline
▲ 0.50% · 4.625%
HK$105,513
+HK$5,283/mo
Deposit HK$8.03M · loan HK$18.74M · min. income ≈ HK$200,460/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,137,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,899
−HK$6,891/mo
▼ 0.25% · 3.875%
HK$113,317
−HK$3,473/mo
Today · 4.125%
HK$116,790
baseline
▲ 0.50% · 4.625%
HK$123,897
+HK$7,107/mo
Deposit HK$2.68M · loan HK$24.10M · min. income ≈ HK$233,580/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,137,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,261
−HK$6,606/mo
▼ 0.25% · 3.875%
HK$125,540
−HK$3,327/mo
Today · 4.125%
HK$128,867
baseline
▲ 0.50% · 4.625%
HK$135,659
+HK$6,792/mo
Deposit HK$2.68M · loan HK$24.10M · min. income ≈ HK$257,734/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,137,957 · Scale 2, in force from 26 Feb 2026)