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$61,208
−HK$3,838/mo
▼ 0.25% · 3.875%
HK$63,112
−HK$1,934/mo
Today · 4.125%
HK$65,046
baseline
▲ 0.50% · 4.625%
HK$69,004
+HK$3,958/mo
Deposit HK$13.42M · loan HK$13.42M · min. income ≈ HK$130,092/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,140,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,093
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$69,920
−HK$1,852/mo
Today · 4.125%
HK$71,772
baseline
▲ 0.50% · 4.625%
HK$75,555
+HK$3,783/mo
Deposit HK$13.42M · loan HK$13.42M · min. income ≈ HK$143,544/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,140,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,450
−HK$4,606/mo
▼ 0.25% · 3.875%
HK$75,734
−HK$2,322/mo
Today · 4.125%
HK$78,056
baseline
▲ 0.50% · 4.625%
HK$82,805
+HK$4,749/mo
Deposit HK$10.74M · loan HK$16.11M · min. income ≈ HK$156,112/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,140,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,712
−HK$4,415/mo
▼ 0.25% · 3.875%
HK$83,904
−HK$2,223/mo
Today · 4.125%
HK$86,127
baseline
▲ 0.50% · 4.625%
HK$90,667
+HK$4,540/mo
Deposit HK$10.74M · loan HK$16.11M · min. income ≈ HK$172,254/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,140,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,691
−HK$5,374/mo
▼ 0.25% · 3.875%
HK$88,357
−HK$2,708/mo
Today · 4.125%
HK$91,065
baseline
▲ 0.50% · 4.625%
HK$96,606
+HK$5,541/mo
Deposit HK$8.05M · loan HK$18.79M · min. income ≈ HK$182,130/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,331
−HK$5,150/mo
▼ 0.25% · 3.875%
HK$97,887
−HK$2,594/mo
Today · 4.125%
HK$100,481
baseline
▲ 0.50% · 4.625%
HK$105,778
+HK$5,297/mo
Deposit HK$8.05M · loan HK$18.79M · min. income ≈ HK$200,962/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,175
−HK$6,908/mo
▼ 0.25% · 3.875%
HK$113,602
−HK$3,481/mo
Today · 4.125%
HK$117,083
baseline
▲ 0.50% · 4.625%
HK$124,208
+HK$7,125/mo
Deposit HK$2.68M · loan HK$24.16M · min. income ≈ HK$234,166/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,140,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,568
−HK$6,622/mo
▼ 0.25% · 3.875%
HK$125,855
−HK$3,335/mo
Today · 4.125%
HK$129,190
baseline
▲ 0.50% · 4.625%
HK$136,000
+HK$6,810/mo
Deposit HK$2.68M · loan HK$24.16M · min. income ≈ HK$258,380/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,140,812 · Scale 2, in force from 26 Feb 2026)