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$61,125
−HK$3,833/mo
▼ 0.25% · 3.875%
HK$63,027
−HK$1,931/mo
Today · 4.125%
HK$64,958
baseline
▲ 0.50% · 4.625%
HK$68,911
+HK$3,953/mo
Deposit HK$13.40M · loan HK$13.40M · min. income ≈ HK$129,916/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,139,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,001
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$69,825
−HK$1,850/mo
Today · 4.125%
HK$71,675
baseline
▲ 0.50% · 4.625%
HK$75,453
+HK$3,778/mo
Deposit HK$13.40M · loan HK$13.40M · min. income ≈ HK$143,350/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,139,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,350
−HK$4,600/mo
▼ 0.25% · 3.875%
HK$75,632
−HK$2,318/mo
Today · 4.125%
HK$77,950
baseline
▲ 0.50% · 4.625%
HK$82,693
+HK$4,743/mo
Deposit HK$10.72M · loan HK$16.08M · min. income ≈ HK$155,900/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,139,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,601
−HK$4,409/mo
▼ 0.25% · 3.875%
HK$83,790
−HK$2,220/mo
Today · 4.125%
HK$86,010
baseline
▲ 0.50% · 4.625%
HK$90,544
+HK$4,534/mo
Deposit HK$10.72M · loan HK$16.08M · min. income ≈ HK$172,020/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,139,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,575
−HK$5,367/mo
▼ 0.25% · 3.875%
HK$88,237
−HK$2,705/mo
Today · 4.125%
HK$90,942
baseline
▲ 0.50% · 4.625%
HK$96,475
+HK$5,533/mo
Deposit HK$8.04M · loan HK$18.76M · min. income ≈ HK$181,884/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,139,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,202
−HK$5,143/mo
▼ 0.25% · 3.875%
HK$97,755
−HK$2,590/mo
Today · 4.125%
HK$100,345
baseline
▲ 0.50% · 4.625%
HK$105,634
+HK$5,289/mo
Deposit HK$8.04M · loan HK$18.76M · min. income ≈ HK$200,690/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,139,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,025
−HK$6,900/mo
▼ 0.25% · 3.875%
HK$113,448
−HK$3,477/mo
Today · 4.125%
HK$116,925
baseline
▲ 0.50% · 4.625%
HK$124,039
+HK$7,114/mo
Deposit HK$2.68M · loan HK$24.13M · min. income ≈ HK$233,850/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,139,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,402
−HK$6,613/mo
▼ 0.25% · 3.875%
HK$125,685
−HK$3,330/mo
Today · 4.125%
HK$129,015
baseline
▲ 0.50% · 4.625%
HK$135,816
+HK$6,801/mo
Deposit HK$2.68M · loan HK$24.13M · min. income ≈ HK$258,030/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,139,267 · Scale 2, in force from 26 Feb 2026)