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$61,011
−HK$3,826/mo
▼ 0.25% · 3.875%
HK$62,909
−HK$1,928/mo
Today · 4.125%
HK$64,837
baseline
▲ 0.50% · 4.625%
HK$68,782
+HK$3,945/mo
Deposit HK$13.38M · loan HK$13.38M · min. income ≈ HK$129,674/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,137,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,874
−HK$3,667/mo
▼ 0.25% · 3.875%
HK$69,694
−HK$1,847/mo
Today · 4.125%
HK$71,541
baseline
▲ 0.50% · 4.625%
HK$75,312
+HK$3,771/mo
Deposit HK$13.38M · loan HK$13.38M · min. income ≈ HK$143,082/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,137,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,213
−HK$4,591/mo
▼ 0.25% · 3.875%
HK$75,491
−HK$2,313/mo
Today · 4.125%
HK$77,804
baseline
▲ 0.50% · 4.625%
HK$82,538
+HK$4,734/mo
Deposit HK$10.70M · loan HK$16.05M · min. income ≈ HK$155,608/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,137,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,449
−HK$4,400/mo
▼ 0.25% · 3.875%
HK$83,633
−HK$2,216/mo
Today · 4.125%
HK$85,849
baseline
▲ 0.50% · 4.625%
HK$90,375
+HK$4,526/mo
Deposit HK$10.70M · loan HK$16.05M · min. income ≈ HK$171,698/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,137,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,415
−HK$5,357/mo
▼ 0.25% · 3.875%
HK$88,072
−HK$2,700/mo
Today · 4.125%
HK$90,772
baseline
▲ 0.50% · 4.625%
HK$96,295
+HK$5,523/mo
Deposit HK$8.03M · loan HK$18.73M · min. income ≈ HK$181,544/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,137,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,024
−HK$5,134/mo
▼ 0.25% · 3.875%
HK$97,572
−HK$2,586/mo
Today · 4.125%
HK$100,158
baseline
▲ 0.50% · 4.625%
HK$105,437
+HK$5,279/mo
Deposit HK$8.03M · loan HK$18.73M · min. income ≈ HK$200,316/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,137,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,820
−HK$6,886/mo
▼ 0.25% · 3.875%
HK$113,236
−HK$3,470/mo
Today · 4.125%
HK$116,706
baseline
▲ 0.50% · 4.625%
HK$123,808
+HK$7,102/mo
Deposit HK$2.68M · loan HK$24.08M · min. income ≈ HK$233,412/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,137,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,173
−HK$6,601/mo
▼ 0.25% · 3.875%
HK$125,450
−HK$3,324/mo
Today · 4.125%
HK$128,774
baseline
▲ 0.50% · 4.625%
HK$135,562
+HK$6,788/mo
Deposit HK$2.68M · loan HK$24.08M · min. income ≈ HK$257,548/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,137,138 · Scale 2, in force from 26 Feb 2026)