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$61,179
−HK$3,837/mo
▼ 0.25% · 3.875%
HK$63,082
−HK$1,934/mo
Today · 4.125%
HK$65,016
baseline
▲ 0.50% · 4.625%
HK$68,972
+HK$3,956/mo
Deposit HK$13.41M · loan HK$13.41M · min. income ≈ HK$130,032/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,140,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,061
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$69,887
−HK$1,851/mo
Today · 4.125%
HK$71,738
baseline
▲ 0.50% · 4.625%
HK$75,520
+HK$3,782/mo
Deposit HK$13.41M · loan HK$13.41M · min. income ≈ HK$143,476/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,140,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,415
−HK$4,604/mo
▼ 0.25% · 3.875%
HK$75,699
−HK$2,320/mo
Today · 4.125%
HK$78,019
baseline
▲ 0.50% · 4.625%
HK$82,766
+HK$4,747/mo
Deposit HK$10.73M · loan HK$16.10M · min. income ≈ HK$156,038/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,140,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,673
−HK$4,413/mo
▼ 0.25% · 3.875%
HK$83,864
−HK$2,222/mo
Today · 4.125%
HK$86,086
baseline
▲ 0.50% · 4.625%
HK$90,624
+HK$4,538/mo
Deposit HK$10.73M · loan HK$16.10M · min. income ≈ HK$172,172/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,140,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,651
−HK$5,371/mo
▼ 0.25% · 3.875%
HK$88,315
−HK$2,707/mo
Today · 4.125%
HK$91,022
baseline
▲ 0.50% · 4.625%
HK$96,560
+HK$5,538/mo
Deposit HK$8.05M · loan HK$18.78M · min. income ≈ HK$182,044/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,286
−HK$5,148/mo
▼ 0.25% · 3.875%
HK$97,841
−HK$2,593/mo
Today · 4.125%
HK$100,434
baseline
▲ 0.50% · 4.625%
HK$105,728
+HK$5,294/mo
Deposit HK$8.05M · loan HK$18.78M · min. income ≈ HK$200,868/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,123
−HK$6,905/mo
▼ 0.25% · 3.875%
HK$113,548
−HK$3,480/mo
Today · 4.125%
HK$117,028
baseline
▲ 0.50% · 4.625%
HK$124,149
+HK$7,121/mo
Deposit HK$2.68M · loan HK$24.15M · min. income ≈ HK$234,056/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,140,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,510
−HK$6,619/mo
▼ 0.25% · 3.875%
HK$125,796
−HK$3,333/mo
Today · 4.125%
HK$129,129
baseline
▲ 0.50% · 4.625%
HK$135,936
+HK$6,807/mo
Deposit HK$2.68M · loan HK$24.15M · min. income ≈ HK$258,258/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,140,274 · Scale 2, in force from 26 Feb 2026)