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$61,245
−HK$3,841/mo
▼ 0.25% · 3.875%
HK$63,150
−HK$1,936/mo
Today · 4.125%
HK$65,086
baseline
▲ 0.50% · 4.625%
HK$69,046
+HK$3,960/mo
Deposit HK$13.43M · loan HK$13.43M · min. income ≈ HK$130,172/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,141,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,135
−HK$3,681/mo
▼ 0.25% · 3.875%
HK$69,962
−HK$1,854/mo
Today · 4.125%
HK$71,816
baseline
▲ 0.50% · 4.625%
HK$75,601
+HK$3,785/mo
Deposit HK$13.43M · loan HK$13.43M · min. income ≈ HK$143,632/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,141,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,494
−HK$4,609/mo
▼ 0.25% · 3.875%
HK$75,780
−HK$2,323/mo
Today · 4.125%
HK$78,103
baseline
▲ 0.50% · 4.625%
HK$82,856
+HK$4,753/mo
Deposit HK$10.74M · loan HK$16.12M · min. income ≈ HK$156,206/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,141,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,762
−HK$4,417/mo
▼ 0.25% · 3.875%
HK$83,955
−HK$2,224/mo
Today · 4.125%
HK$86,179
baseline
▲ 0.50% · 4.625%
HK$90,722
+HK$4,543/mo
Deposit HK$10.74M · loan HK$16.12M · min. income ≈ HK$172,358/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,141,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,743
−HK$5,377/mo
▼ 0.25% · 3.875%
HK$88,411
−HK$2,709/mo
Today · 4.125%
HK$91,120
baseline
▲ 0.50% · 4.625%
HK$96,665
+HK$5,545/mo
Deposit HK$8.06M · loan HK$18.80M · min. income ≈ HK$182,240/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,141,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,389
−HK$5,153/mo
▼ 0.25% · 3.875%
HK$97,947
−HK$2,595/mo
Today · 4.125%
HK$100,542
baseline
▲ 0.50% · 4.625%
HK$105,842
+HK$5,300/mo
Deposit HK$8.06M · loan HK$18.80M · min. income ≈ HK$201,084/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,141,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,242
−HK$6,913/mo
▼ 0.25% · 3.875%
HK$113,671
−HK$3,484/mo
Today · 4.125%
HK$117,155
baseline
▲ 0.50% · 4.625%
HK$124,283
+HK$7,128/mo
Deposit HK$2.69M · loan HK$24.17M · min. income ≈ HK$234,310/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,141,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,643
−HK$6,626/mo
▼ 0.25% · 3.875%
HK$125,932
−HK$3,337/mo
Today · 4.125%
HK$129,269
baseline
▲ 0.50% · 4.625%
HK$136,083
+HK$6,814/mo
Deposit HK$2.69M · loan HK$24.17M · min. income ≈ HK$258,538/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,141,506 · Scale 2, in force from 26 Feb 2026)