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$61,086
−HK$3,830/mo
▼ 0.25% · 3.875%
HK$62,986
−HK$1,930/mo
Today · 4.125%
HK$64,916
baseline
▲ 0.50% · 4.625%
HK$68,866
+HK$3,950/mo
Deposit HK$13.39M · loan HK$13.39M · min. income ≈ HK$129,832/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,138,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,957
−HK$3,672/mo
▼ 0.25% · 3.875%
HK$69,780
−HK$1,849/mo
Today · 4.125%
HK$71,629
baseline
▲ 0.50% · 4.625%
HK$75,404
+HK$3,775/mo
Deposit HK$13.39M · loan HK$13.39M · min. income ≈ HK$143,258/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,138,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,303
−HK$4,597/mo
▼ 0.25% · 3.875%
HK$75,583
−HK$2,317/mo
Today · 4.125%
HK$77,900
baseline
▲ 0.50% · 4.625%
HK$82,640
+HK$4,740/mo
Deposit HK$10.72M · loan HK$16.07M · min. income ≈ HK$155,800/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,138,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,549
−HK$4,405/mo
▼ 0.25% · 3.875%
HK$83,736
−HK$2,218/mo
Today · 4.125%
HK$85,954
baseline
▲ 0.50% · 4.625%
HK$90,485
+HK$4,531/mo
Deposit HK$10.72M · loan HK$16.07M · min. income ≈ HK$171,908/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,138,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,520
−HK$5,363/mo
▼ 0.25% · 3.875%
HK$88,180
−HK$2,703/mo
Today · 4.125%
HK$90,883
baseline
▲ 0.50% · 4.625%
HK$96,413
+HK$5,530/mo
Deposit HK$8.04M · loan HK$18.75M · min. income ≈ HK$181,766/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,138,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,140
−HK$5,140/mo
▼ 0.25% · 3.875%
HK$97,692
−HK$2,588/mo
Today · 4.125%
HK$100,280
baseline
▲ 0.50% · 4.625%
HK$105,566
+HK$5,286/mo
Deposit HK$8.04M · loan HK$18.75M · min. income ≈ HK$200,560/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,138,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,954
−HK$6,895/mo
▼ 0.25% · 3.875%
HK$113,374
−HK$3,475/mo
Today · 4.125%
HK$116,849
baseline
▲ 0.50% · 4.625%
HK$123,959
+HK$7,110/mo
Deposit HK$2.68M · loan HK$24.11M · min. income ≈ HK$233,698/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,323
−HK$6,609/mo
▼ 0.25% · 3.875%
HK$125,604
−HK$3,328/mo
Today · 4.125%
HK$128,932
baseline
▲ 0.50% · 4.625%
HK$135,728
+HK$6,796/mo
Deposit HK$2.68M · loan HK$24.11M · min. income ≈ HK$257,864/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,530 · Scale 2, in force from 26 Feb 2026)