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$61,148
−HK$3,834/mo
▼ 0.25% · 3.875%
HK$63,050
−HK$1,932/mo
Today · 4.125%
HK$64,982
baseline
▲ 0.50% · 4.625%
HK$68,936
+HK$3,954/mo
Deposit HK$13.41M · loan HK$13.41M · min. income ≈ HK$129,964/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,139,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,026
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$69,850
−HK$1,851/mo
Today · 4.125%
HK$71,701
baseline
▲ 0.50% · 4.625%
HK$75,481
+HK$3,780/mo
Deposit HK$13.41M · loan HK$13.41M · min. income ≈ HK$143,402/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,139,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,377
−HK$4,601/mo
▼ 0.25% · 3.875%
HK$75,659
−HK$2,319/mo
Today · 4.125%
HK$77,978
baseline
▲ 0.50% · 4.625%
HK$82,723
+HK$4,745/mo
Deposit HK$10.73M · loan HK$16.09M · min. income ≈ HK$155,956/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,139,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,631
−HK$4,411/mo
▼ 0.25% · 3.875%
HK$83,821
−HK$2,221/mo
Today · 4.125%
HK$86,042
baseline
▲ 0.50% · 4.625%
HK$90,577
+HK$4,535/mo
Deposit HK$10.73M · loan HK$16.09M · min. income ≈ HK$172,084/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,139,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,607
−HK$5,368/mo
▼ 0.25% · 3.875%
HK$88,269
−HK$2,706/mo
Today · 4.125%
HK$90,975
baseline
▲ 0.50% · 4.625%
HK$96,510
+HK$5,535/mo
Deposit HK$8.04M · loan HK$18.77M · min. income ≈ HK$181,950/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,139,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,236
−HK$5,146/mo
▼ 0.25% · 3.875%
HK$97,791
−HK$2,591/mo
Today · 4.125%
HK$100,382
baseline
▲ 0.50% · 4.625%
HK$105,673
+HK$5,291/mo
Deposit HK$8.04M · loan HK$18.77M · min. income ≈ HK$200,764/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,139,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,066
−HK$6,902/mo
▼ 0.25% · 3.875%
HK$113,489
−HK$3,479/mo
Today · 4.125%
HK$116,968
baseline
▲ 0.50% · 4.625%
HK$124,085
+HK$7,117/mo
Deposit HK$2.68M · loan HK$24.13M · min. income ≈ HK$233,936/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,139,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,447
−HK$6,615/mo
▼ 0.25% · 3.875%
HK$125,731
−HK$3,331/mo
Today · 4.125%
HK$129,062
baseline
▲ 0.50% · 4.625%
HK$135,865
+HK$6,803/mo
Deposit HK$2.68M · loan HK$24.13M · min. income ≈ HK$258,124/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,139,684 · Scale 2, in force from 26 Feb 2026)