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$61,239
−HK$3,840/mo
▼ 0.25% · 3.875%
HK$63,144
−HK$1,935/mo
Today · 4.125%
HK$65,079
baseline
▲ 0.50% · 4.625%
HK$69,039
+HK$3,960/mo
Deposit HK$13.43M · loan HK$13.43M · min. income ≈ HK$130,158/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,141,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,128
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$69,955
−HK$1,853/mo
Today · 4.125%
HK$71,808
baseline
▲ 0.50% · 4.625%
HK$75,593
+HK$3,785/mo
Deposit HK$13.43M · loan HK$13.43M · min. income ≈ HK$143,616/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,141,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,487
−HK$4,608/mo
▼ 0.25% · 3.875%
HK$75,772
−HK$2,323/mo
Today · 4.125%
HK$78,095
baseline
▲ 0.50% · 4.625%
HK$82,847
+HK$4,752/mo
Deposit HK$10.74M · loan HK$16.11M · min. income ≈ HK$156,190/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,141,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,753
−HK$4,417/mo
▼ 0.25% · 3.875%
HK$83,946
−HK$2,224/mo
Today · 4.125%
HK$86,170
baseline
▲ 0.50% · 4.625%
HK$90,712
+HK$4,542/mo
Deposit HK$10.74M · loan HK$16.11M · min. income ≈ HK$172,340/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,141,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,734
−HK$5,377/mo
▼ 0.25% · 3.875%
HK$88,401
−HK$2,710/mo
Today · 4.125%
HK$91,111
baseline
▲ 0.50% · 4.625%
HK$96,655
+HK$5,544/mo
Deposit HK$8.06M · loan HK$18.80M · min. income ≈ HK$182,222/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,141,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,379
−HK$5,153/mo
▼ 0.25% · 3.875%
HK$97,937
−HK$2,595/mo
Today · 4.125%
HK$100,532
baseline
▲ 0.50% · 4.625%
HK$105,831
+HK$5,299/mo
Deposit HK$8.06M · loan HK$18.80M · min. income ≈ HK$201,064/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,141,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,230
−HK$6,912/mo
▼ 0.25% · 3.875%
HK$113,659
−HK$3,483/mo
Today · 4.125%
HK$117,142
baseline
▲ 0.50% · 4.625%
HK$124,270
+HK$7,128/mo
Deposit HK$2.69M · loan HK$24.17M · min. income ≈ HK$234,284/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,141,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,630
−HK$6,625/mo
▼ 0.25% · 3.875%
HK$125,919
−HK$3,336/mo
Today · 4.125%
HK$129,255
baseline
▲ 0.50% · 4.625%
HK$136,068
+HK$6,813/mo
Deposit HK$2.69M · loan HK$24.17M · min. income ≈ HK$258,510/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,141,386 · Scale 2, in force from 26 Feb 2026)