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$61,268
−HK$3,842/mo
▼ 0.25% · 3.875%
HK$63,174
−HK$1,936/mo
Today · 4.125%
HK$65,110
baseline
▲ 0.50% · 4.625%
HK$69,072
+HK$3,962/mo
Deposit HK$13.43M · loan HK$13.43M · min. income ≈ HK$130,220/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,141,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,160
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$69,988
−HK$1,854/mo
Today · 4.125%
HK$71,842
baseline
▲ 0.50% · 4.625%
HK$75,629
+HK$3,787/mo
Deposit HK$13.43M · loan HK$13.43M · min. income ≈ HK$143,684/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,141,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,522
−HK$4,610/mo
▼ 0.25% · 3.875%
HK$75,808
−HK$2,324/mo
Today · 4.125%
HK$78,132
baseline
▲ 0.50% · 4.625%
HK$82,886
+HK$4,754/mo
Deposit HK$10.75M · loan HK$16.12M · min. income ≈ HK$156,264/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,141,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,792
−HK$4,419/mo
▼ 0.25% · 3.875%
HK$83,986
−HK$2,225/mo
Today · 4.125%
HK$86,211
baseline
▲ 0.50% · 4.625%
HK$90,755
+HK$4,544/mo
Deposit HK$10.75M · loan HK$16.12M · min. income ≈ HK$172,422/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,141,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,775
−HK$5,379/mo
▼ 0.25% · 3.875%
HK$88,443
−HK$2,711/mo
Today · 4.125%
HK$91,154
baseline
▲ 0.50% · 4.625%
HK$96,700
+HK$5,546/mo
Deposit HK$8.06M · loan HK$18.81M · min. income ≈ HK$182,308/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,141,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,424
−HK$5,155/mo
▼ 0.25% · 3.875%
HK$97,983
−HK$2,596/mo
Today · 4.125%
HK$100,579
baseline
▲ 0.50% · 4.625%
HK$105,881
+HK$5,302/mo
Deposit HK$8.06M · loan HK$18.81M · min. income ≈ HK$201,158/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,141,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,282
−HK$6,916/mo
▼ 0.25% · 3.875%
HK$113,713
−HK$3,485/mo
Today · 4.125%
HK$117,198
baseline
▲ 0.50% · 4.625%
HK$124,329
+HK$7,131/mo
Deposit HK$2.69M · loan HK$24.18M · min. income ≈ HK$234,396/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,141,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,688
−HK$6,628/mo
▼ 0.25% · 3.875%
HK$125,978
−HK$3,338/mo
Today · 4.125%
HK$129,316
baseline
▲ 0.50% · 4.625%
HK$136,133
+HK$6,817/mo
Deposit HK$2.69M · loan HK$24.18M · min. income ≈ HK$258,632/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,141,928 · Scale 2, in force from 26 Feb 2026)