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$61,198
−HK$3,837/mo
▼ 0.25% · 3.875%
HK$63,101
−HK$1,934/mo
Today · 4.125%
HK$65,035
baseline
▲ 0.50% · 4.625%
HK$68,993
+HK$3,958/mo
Deposit HK$13.42M · loan HK$13.42M · min. income ≈ HK$130,070/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,140,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,082
−HK$3,678/mo
▼ 0.25% · 3.875%
HK$69,908
−HK$1,852/mo
Today · 4.125%
HK$71,760
baseline
▲ 0.50% · 4.625%
HK$75,543
+HK$3,783/mo
Deposit HK$13.42M · loan HK$13.42M · min. income ≈ HK$143,520/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,140,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,437
−HK$4,606/mo
▼ 0.25% · 3.875%
HK$75,722
−HK$2,321/mo
Today · 4.125%
HK$78,043
baseline
▲ 0.50% · 4.625%
HK$82,791
+HK$4,748/mo
Deposit HK$10.74M · loan HK$16.10M · min. income ≈ HK$156,086/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,140,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,698
−HK$4,414/mo
▼ 0.25% · 3.875%
HK$83,889
−HK$2,223/mo
Today · 4.125%
HK$86,112
baseline
▲ 0.50% · 4.625%
HK$90,651
+HK$4,539/mo
Deposit HK$10.74M · loan HK$16.10M · min. income ≈ HK$172,224/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,140,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,677
−HK$5,373/mo
▼ 0.25% · 3.875%
HK$88,342
−HK$2,708/mo
Today · 4.125%
HK$91,050
baseline
▲ 0.50% · 4.625%
HK$96,590
+HK$5,540/mo
Deposit HK$8.05M · loan HK$18.79M · min. income ≈ HK$182,100/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,315
−HK$5,149/mo
▼ 0.25% · 3.875%
HK$97,871
−HK$2,593/mo
Today · 4.125%
HK$100,464
baseline
▲ 0.50% · 4.625%
HK$105,760
+HK$5,296/mo
Deposit HK$8.05M · loan HK$18.79M · min. income ≈ HK$200,928/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,156
−HK$6,908/mo
▼ 0.25% · 3.875%
HK$113,583
−HK$3,481/mo
Today · 4.125%
HK$117,064
baseline
▲ 0.50% · 4.625%
HK$124,187
+HK$7,123/mo
Deposit HK$2.68M · loan HK$24.15M · min. income ≈ HK$234,128/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,140,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,547
−HK$6,621/mo
▼ 0.25% · 3.875%
HK$125,834
−HK$3,334/mo
Today · 4.125%
HK$129,168
baseline
▲ 0.50% · 4.625%
HK$135,977
+HK$6,809/mo
Deposit HK$2.68M · loan HK$24.15M · min. income ≈ HK$258,336/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,140,621 · Scale 2, in force from 26 Feb 2026)