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$61,262
−HK$3,842/mo
▼ 0.25% · 3.875%
HK$63,168
−HK$1,936/mo
Today · 4.125%
HK$65,104
baseline
▲ 0.50% · 4.625%
HK$69,065
+HK$3,961/mo
Deposit HK$13.43M · loan HK$13.43M · min. income ≈ HK$130,208/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,141,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,153
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$69,981
−HK$1,854/mo
Today · 4.125%
HK$71,835
baseline
▲ 0.50% · 4.625%
HK$75,622
+HK$3,787/mo
Deposit HK$13.43M · loan HK$13.43M · min. income ≈ HK$143,670/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,141,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,514
−HK$4,610/mo
▼ 0.25% · 3.875%
HK$75,801
−HK$2,323/mo
Today · 4.125%
HK$78,124
baseline
▲ 0.50% · 4.625%
HK$82,878
+HK$4,754/mo
Deposit HK$10.75M · loan HK$16.12M · min. income ≈ HK$156,248/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,141,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,784
−HK$4,419/mo
▼ 0.25% · 3.875%
HK$83,977
−HK$2,226/mo
Today · 4.125%
HK$86,203
baseline
▲ 0.50% · 4.625%
HK$90,746
+HK$4,543/mo
Deposit HK$10.75M · loan HK$16.12M · min. income ≈ HK$172,406/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,141,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,767
−HK$5,378/mo
▼ 0.25% · 3.875%
HK$88,435
−HK$2,710/mo
Today · 4.125%
HK$91,145
baseline
▲ 0.50% · 4.625%
HK$96,691
+HK$5,546/mo
Deposit HK$8.06M · loan HK$18.81M · min. income ≈ HK$182,290/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,141,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,415
−HK$5,155/mo
▼ 0.25% · 3.875%
HK$97,974
−HK$2,596/mo
Today · 4.125%
HK$100,570
baseline
▲ 0.50% · 4.625%
HK$105,871
+HK$5,301/mo
Deposit HK$8.06M · loan HK$18.81M · min. income ≈ HK$201,140/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,141,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,272
−HK$6,915/mo
▼ 0.25% · 3.875%
HK$113,702
−HK$3,485/mo
Today · 4.125%
HK$117,187
baseline
▲ 0.50% · 4.625%
HK$124,317
+HK$7,130/mo
Deposit HK$2.69M · loan HK$24.18M · min. income ≈ HK$234,374/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,141,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,676
−HK$6,628/mo
▼ 0.25% · 3.875%
HK$125,966
−HK$3,338/mo
Today · 4.125%
HK$129,304
baseline
▲ 0.50% · 4.625%
HK$136,120
+HK$6,816/mo
Deposit HK$2.69M · loan HK$24.18M · min. income ≈ HK$258,608/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,141,817 · Scale 2, in force from 26 Feb 2026)