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$61,065
−HK$3,830/mo
▼ 0.25% · 3.875%
HK$62,965
−HK$1,930/mo
Today · 4.125%
HK$64,895
baseline
▲ 0.50% · 4.625%
HK$68,843
+HK$3,948/mo
Deposit HK$13.39M · loan HK$13.39M · min. income ≈ HK$129,790/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,138,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,934
−HK$3,671/mo
▼ 0.25% · 3.875%
HK$69,756
−HK$1,849/mo
Today · 4.125%
HK$71,605
baseline
▲ 0.50% · 4.625%
HK$75,379
+HK$3,774/mo
Deposit HK$13.39M · loan HK$13.39M · min. income ≈ HK$143,210/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,138,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,278
−HK$4,595/mo
▼ 0.25% · 3.875%
HK$75,558
−HK$2,315/mo
Today · 4.125%
HK$77,873
baseline
▲ 0.50% · 4.625%
HK$82,612
+HK$4,739/mo
Deposit HK$10.71M · loan HK$16.07M · min. income ≈ HK$155,746/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,138,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,521
−HK$4,405/mo
▼ 0.25% · 3.875%
HK$83,708
−HK$2,218/mo
Today · 4.125%
HK$85,926
baseline
▲ 0.50% · 4.625%
HK$90,455
+HK$4,529/mo
Deposit HK$10.71M · loan HK$16.07M · min. income ≈ HK$171,852/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,138,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,491
−HK$5,361/mo
▼ 0.25% · 3.875%
HK$88,151
−HK$2,701/mo
Today · 4.125%
HK$90,852
baseline
▲ 0.50% · 4.625%
HK$96,380
+HK$5,528/mo
Deposit HK$8.03M · loan HK$18.75M · min. income ≈ HK$181,704/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,138,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,108
−HK$5,139/mo
▼ 0.25% · 3.875%
HK$97,659
−HK$2,588/mo
Today · 4.125%
HK$100,247
baseline
▲ 0.50% · 4.625%
HK$105,531
+HK$5,284/mo
Deposit HK$8.03M · loan HK$18.75M · min. income ≈ HK$200,494/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,138,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,917
−HK$6,893/mo
▼ 0.25% · 3.875%
HK$113,336
−HK$3,474/mo
Today · 4.125%
HK$116,810
baseline
▲ 0.50% · 4.625%
HK$123,918
+HK$7,108/mo
Deposit HK$2.68M · loan HK$24.10M · min. income ≈ HK$233,620/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,282
−HK$6,606/mo
▼ 0.25% · 3.875%
HK$125,561
−HK$3,327/mo
Today · 4.125%
HK$128,888
baseline
▲ 0.50% · 4.625%
HK$135,682
+HK$6,794/mo
Deposit HK$2.68M · loan HK$24.10M · min. income ≈ HK$257,776/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,149 · Scale 2, in force from 26 Feb 2026)