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$61,233
−HK$3,839/mo
▼ 0.25% · 3.875%
HK$63,137
−HK$1,935/mo
Today · 4.125%
HK$65,072
baseline
▲ 0.50% · 4.625%
HK$69,032
+HK$3,960/mo
Deposit HK$13.43M · loan HK$13.43M · min. income ≈ HK$130,144/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,141,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,121
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$69,948
−HK$1,853/mo
Today · 4.125%
HK$71,801
baseline
▲ 0.50% · 4.625%
HK$75,586
+HK$3,785/mo
Deposit HK$13.43M · loan HK$13.43M · min. income ≈ HK$143,602/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,141,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,479
−HK$4,608/mo
▼ 0.25% · 3.875%
HK$75,765
−HK$2,322/mo
Today · 4.125%
HK$78,087
baseline
▲ 0.50% · 4.625%
HK$82,838
+HK$4,751/mo
Deposit HK$10.74M · loan HK$16.11M · min. income ≈ HK$156,174/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,141,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,745
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$83,937
−HK$2,224/mo
Today · 4.125%
HK$86,161
baseline
▲ 0.50% · 4.625%
HK$90,703
+HK$4,542/mo
Deposit HK$10.74M · loan HK$16.11M · min. income ≈ HK$172,322/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,141,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,726
−HK$5,375/mo
▼ 0.25% · 3.875%
HK$88,392
−HK$2,709/mo
Today · 4.125%
HK$91,101
baseline
▲ 0.50% · 4.625%
HK$96,645
+HK$5,544/mo
Deposit HK$8.06M · loan HK$18.80M · min. income ≈ HK$182,202/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,141,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,369
−HK$5,152/mo
▼ 0.25% · 3.875%
HK$97,927
−HK$2,594/mo
Today · 4.125%
HK$100,521
baseline
▲ 0.50% · 4.625%
HK$105,820
+HK$5,299/mo
Deposit HK$8.06M · loan HK$18.80M · min. income ≈ HK$201,042/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,141,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,219
−HK$6,911/mo
▼ 0.25% · 3.875%
HK$113,647
−HK$3,483/mo
Today · 4.125%
HK$117,130
baseline
▲ 0.50% · 4.625%
HK$124,257
+HK$7,127/mo
Deposit HK$2.69M · loan HK$24.17M · min. income ≈ HK$234,260/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,141,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,617
−HK$6,625/mo
▼ 0.25% · 3.875%
HK$125,906
−HK$3,336/mo
Today · 4.125%
HK$129,242
baseline
▲ 0.50% · 4.625%
HK$136,054
+HK$6,812/mo
Deposit HK$2.69M · loan HK$24.17M · min. income ≈ HK$258,484/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,141,269 · Scale 2, in force from 26 Feb 2026)