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$61,211
−HK$3,839/mo
▼ 0.25% · 3.875%
HK$63,115
−HK$1,935/mo
Today · 4.125%
HK$65,050
baseline
▲ 0.50% · 4.625%
HK$69,008
+HK$3,958/mo
Deposit HK$13.42M · loan HK$13.42M · min. income ≈ HK$130,100/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,140,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,097
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$69,923
−HK$1,853/mo
Today · 4.125%
HK$71,776
baseline
▲ 0.50% · 4.625%
HK$75,560
+HK$3,784/mo
Deposit HK$13.42M · loan HK$13.42M · min. income ≈ HK$143,552/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,140,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,454
−HK$4,606/mo
▼ 0.25% · 3.875%
HK$75,739
−HK$2,321/mo
Today · 4.125%
HK$78,060
baseline
▲ 0.50% · 4.625%
HK$82,810
+HK$4,750/mo
Deposit HK$10.74M · loan HK$16.11M · min. income ≈ HK$156,120/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,140,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,716
−HK$4,415/mo
▼ 0.25% · 3.875%
HK$83,908
−HK$2,223/mo
Today · 4.125%
HK$86,131
baseline
▲ 0.50% · 4.625%
HK$90,671
+HK$4,540/mo
Deposit HK$10.74M · loan HK$16.11M · min. income ≈ HK$172,262/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,140,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,696
−HK$5,374/mo
▼ 0.25% · 3.875%
HK$88,362
−HK$2,708/mo
Today · 4.125%
HK$91,070
baseline
▲ 0.50% · 4.625%
HK$96,611
+HK$5,541/mo
Deposit HK$8.05M · loan HK$18.79M · min. income ≈ HK$182,140/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,336
−HK$5,151/mo
▼ 0.25% · 3.875%
HK$97,893
−HK$2,594/mo
Today · 4.125%
HK$100,487
baseline
▲ 0.50% · 4.625%
HK$105,783
+HK$5,296/mo
Deposit HK$8.05M · loan HK$18.79M · min. income ≈ HK$200,974/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,181
−HK$6,909/mo
▼ 0.25% · 3.875%
HK$113,608
−HK$3,482/mo
Today · 4.125%
HK$117,090
baseline
▲ 0.50% · 4.625%
HK$124,214
+HK$7,124/mo
Deposit HK$2.68M · loan HK$24.16M · min. income ≈ HK$234,180/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,140,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,575
−HK$6,622/mo
▼ 0.25% · 3.875%
HK$125,862
−HK$3,335/mo
Today · 4.125%
HK$129,197
baseline
▲ 0.50% · 4.625%
HK$136,007
+HK$6,810/mo
Deposit HK$2.68M · loan HK$24.16M · min. income ≈ HK$258,394/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,140,874 · Scale 2, in force from 26 Feb 2026)