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$61,226
−HK$3,840/mo
▼ 0.25% · 3.875%
HK$63,131
−HK$1,935/mo
Today · 4.125%
HK$65,066
baseline
▲ 0.50% · 4.625%
HK$69,025
+HK$3,959/mo
Deposit HK$13.43M · loan HK$13.43M · min. income ≈ HK$130,132/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,141,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,114
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$69,941
−HK$1,853/mo
Today · 4.125%
HK$71,794
baseline
▲ 0.50% · 4.625%
HK$75,578
+HK$3,784/mo
Deposit HK$13.43M · loan HK$13.43M · min. income ≈ HK$143,588/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,141,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,472
−HK$4,607/mo
▼ 0.25% · 3.875%
HK$75,757
−HK$2,322/mo
Today · 4.125%
HK$78,079
baseline
▲ 0.50% · 4.625%
HK$82,830
+HK$4,751/mo
Deposit HK$10.74M · loan HK$16.11M · min. income ≈ HK$156,158/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,141,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,737
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$83,929
−HK$2,224/mo
Today · 4.125%
HK$86,153
baseline
▲ 0.50% · 4.625%
HK$90,694
+HK$4,541/mo
Deposit HK$10.74M · loan HK$16.11M · min. income ≈ HK$172,306/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,141,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,717
−HK$5,375/mo
▼ 0.25% · 3.875%
HK$88,383
−HK$2,709/mo
Today · 4.125%
HK$91,092
baseline
▲ 0.50% · 4.625%
HK$96,635
+HK$5,543/mo
Deposit HK$8.06M · loan HK$18.80M · min. income ≈ HK$182,184/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,141,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,359
−HK$5,152/mo
▼ 0.25% · 3.875%
HK$97,917
−HK$2,594/mo
Today · 4.125%
HK$100,511
baseline
▲ 0.50% · 4.625%
HK$105,809
+HK$5,298/mo
Deposit HK$8.06M · loan HK$18.80M · min. income ≈ HK$201,022/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,141,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,208
−HK$6,911/mo
▼ 0.25% · 3.875%
HK$113,636
−HK$3,483/mo
Today · 4.125%
HK$117,119
baseline
▲ 0.50% · 4.625%
HK$124,245
+HK$7,126/mo
Deposit HK$2.69M · loan HK$24.17M · min. income ≈ HK$234,238/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,141,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,605
−HK$6,624/mo
▼ 0.25% · 3.875%
HK$125,893
−HK$3,336/mo
Today · 4.125%
HK$129,229
baseline
▲ 0.50% · 4.625%
HK$136,041
+HK$6,812/mo
Deposit HK$2.69M · loan HK$24.17M · min. income ≈ HK$258,458/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,141,154 · Scale 2, in force from 26 Feb 2026)