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$61,242
−HK$3,840/mo
▼ 0.25% · 3.875%
HK$63,147
−HK$1,935/mo
Today · 4.125%
HK$65,082
baseline
▲ 0.50% · 4.625%
HK$69,042
+HK$3,960/mo
Deposit HK$13.43M · loan HK$13.43M · min. income ≈ HK$130,164/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,141,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,131
−HK$3,681/mo
▼ 0.25% · 3.875%
HK$69,958
−HK$1,854/mo
Today · 4.125%
HK$71,812
baseline
▲ 0.50% · 4.625%
HK$75,597
+HK$3,785/mo
Deposit HK$13.43M · loan HK$13.43M · min. income ≈ HK$143,624/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,141,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,490
−HK$4,609/mo
▼ 0.25% · 3.875%
HK$75,776
−HK$2,323/mo
Today · 4.125%
HK$78,099
baseline
▲ 0.50% · 4.625%
HK$82,851
+HK$4,752/mo
Deposit HK$10.74M · loan HK$16.11M · min. income ≈ HK$156,198/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,141,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,757
−HK$4,417/mo
▼ 0.25% · 3.875%
HK$83,950
−HK$2,224/mo
Today · 4.125%
HK$86,174
baseline
▲ 0.50% · 4.625%
HK$90,716
+HK$4,542/mo
Deposit HK$10.74M · loan HK$16.11M · min. income ≈ HK$172,348/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,141,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,738
−HK$5,377/mo
▼ 0.25% · 3.875%
HK$88,405
−HK$2,710/mo
Today · 4.125%
HK$91,115
baseline
▲ 0.50% · 4.625%
HK$96,659
+HK$5,544/mo
Deposit HK$8.06M · loan HK$18.80M · min. income ≈ HK$182,230/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,141,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,383
−HK$5,153/mo
▼ 0.25% · 3.875%
HK$97,941
−HK$2,595/mo
Today · 4.125%
HK$100,536
baseline
▲ 0.50% · 4.625%
HK$105,836
+HK$5,300/mo
Deposit HK$8.06M · loan HK$18.80M · min. income ≈ HK$201,072/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,141,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,235
−HK$6,913/mo
▼ 0.25% · 3.875%
HK$113,664
−HK$3,484/mo
Today · 4.125%
HK$117,148
baseline
▲ 0.50% · 4.625%
HK$124,276
+HK$7,128/mo
Deposit HK$2.69M · loan HK$24.17M · min. income ≈ HK$234,296/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,141,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,635
−HK$6,626/mo
▼ 0.25% · 3.875%
HK$125,924
−HK$3,337/mo
Today · 4.125%
HK$129,261
baseline
▲ 0.50% · 4.625%
HK$136,075
+HK$6,814/mo
Deposit HK$2.69M · loan HK$24.17M · min. income ≈ HK$258,522/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,141,439 · Scale 2, in force from 26 Feb 2026)