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$61,218
−HK$3,839/mo
▼ 0.25% · 3.875%
HK$63,122
−HK$1,935/mo
Today · 4.125%
HK$65,057
baseline
▲ 0.50% · 4.625%
HK$69,015
+HK$3,958/mo
Deposit HK$13.42M · loan HK$13.42M · min. income ≈ HK$130,114/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,140,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,104
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$69,931
−HK$1,853/mo
Today · 4.125%
HK$71,784
baseline
▲ 0.50% · 4.625%
HK$75,567
+HK$3,783/mo
Deposit HK$13.42M · loan HK$13.42M · min. income ≈ HK$143,568/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,140,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,461
−HK$4,607/mo
▼ 0.25% · 3.875%
HK$75,746
−HK$2,322/mo
Today · 4.125%
HK$78,068
baseline
▲ 0.50% · 4.625%
HK$82,818
+HK$4,750/mo
Deposit HK$10.74M · loan HK$16.11M · min. income ≈ HK$156,136/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,140,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,725
−HK$4,415/mo
▼ 0.25% · 3.875%
HK$83,917
−HK$2,223/mo
Today · 4.125%
HK$86,140
baseline
▲ 0.50% · 4.625%
HK$90,681
+HK$4,541/mo
Deposit HK$10.74M · loan HK$16.11M · min. income ≈ HK$172,280/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,140,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,705
−HK$5,374/mo
▼ 0.25% · 3.875%
HK$88,371
−HK$2,708/mo
Today · 4.125%
HK$91,079
baseline
▲ 0.50% · 4.625%
HK$96,621
+HK$5,542/mo
Deposit HK$8.05M · loan HK$18.79M · min. income ≈ HK$182,158/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,140,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,346
−HK$5,151/mo
▼ 0.25% · 3.875%
HK$97,903
−HK$2,594/mo
Today · 4.125%
HK$100,497
baseline
▲ 0.50% · 4.625%
HK$105,794
+HK$5,297/mo
Deposit HK$8.05M · loan HK$18.79M · min. income ≈ HK$200,994/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,140,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,192
−HK$6,910/mo
▼ 0.25% · 3.875%
HK$113,619
−HK$3,483/mo
Today · 4.125%
HK$117,102
baseline
▲ 0.50% · 4.625%
HK$124,227
+HK$7,125/mo
Deposit HK$2.68M · loan HK$24.16M · min. income ≈ HK$234,204/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,140,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,587
−HK$6,623/mo
▼ 0.25% · 3.875%
HK$125,875
−HK$3,335/mo
Today · 4.125%
HK$129,210
baseline
▲ 0.50% · 4.625%
HK$136,021
+HK$6,811/mo
Deposit HK$2.68M · loan HK$24.16M · min. income ≈ HK$258,420/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,140,991 · Scale 2, in force from 26 Feb 2026)