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$61,032
−HK$3,827/mo
▼ 0.25% · 3.875%
HK$62,931
−HK$1,928/mo
Today · 4.125%
HK$64,859
baseline
▲ 0.50% · 4.625%
HK$68,806
+HK$3,947/mo
Deposit HK$13.38M · loan HK$13.38M · min. income ≈ HK$129,718/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,137,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,898
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$69,719
−HK$1,847/mo
Today · 4.125%
HK$71,566
baseline
▲ 0.50% · 4.625%
HK$75,338
+HK$3,772/mo
Deposit HK$13.38M · loan HK$13.38M · min. income ≈ HK$143,132/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,137,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,239
−HK$4,592/mo
▼ 0.25% · 3.875%
HK$75,517
−HK$2,314/mo
Today · 4.125%
HK$77,831
baseline
▲ 0.50% · 4.625%
HK$82,567
+HK$4,736/mo
Deposit HK$10.71M · loan HK$16.06M · min. income ≈ HK$155,662/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,137,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,477
−HK$4,402/mo
▼ 0.25% · 3.875%
HK$83,662
−HK$2,217/mo
Today · 4.125%
HK$85,879
baseline
▲ 0.50% · 4.625%
HK$90,406
+HK$4,527/mo
Deposit HK$10.71M · loan HK$16.06M · min. income ≈ HK$171,758/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,137,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,445
−HK$5,358/mo
▼ 0.25% · 3.875%
HK$88,103
−HK$2,700/mo
Today · 4.125%
HK$90,803
baseline
▲ 0.50% · 4.625%
HK$96,328
+HK$5,525/mo
Deposit HK$8.03M · loan HK$18.74M · min. income ≈ HK$181,606/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,137,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,057
−HK$5,135/mo
▼ 0.25% · 3.875%
HK$97,606
−HK$2,586/mo
Today · 4.125%
HK$100,192
baseline
▲ 0.50% · 4.625%
HK$105,474
+HK$5,282/mo
Deposit HK$8.03M · loan HK$18.74M · min. income ≈ HK$200,384/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,137,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,858
−HK$6,889/mo
▼ 0.25% · 3.875%
HK$113,275
−HK$3,472/mo
Today · 4.125%
HK$116,747
baseline
▲ 0.50% · 4.625%
HK$123,851
+HK$7,104/mo
Deposit HK$2.68M · loan HK$24.09M · min. income ≈ HK$233,494/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,137,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,216
−HK$6,603/mo
▼ 0.25% · 3.875%
HK$125,494
−HK$3,325/mo
Today · 4.125%
HK$128,819
baseline
▲ 0.50% · 4.625%
HK$135,609
+HK$6,790/mo
Deposit HK$2.68M · loan HK$24.09M · min. income ≈ HK$257,638/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,137,533 · Scale 2, in force from 26 Feb 2026)