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$61,102
−HK$3,832/mo
▼ 0.25% · 3.875%
HK$63,003
−HK$1,931/mo
Today · 4.125%
HK$64,934
baseline
▲ 0.50% · 4.625%
HK$68,885
+HK$3,951/mo
Deposit HK$13.40M · loan HK$13.40M · min. income ≈ HK$129,868/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,138,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,976
−HK$3,672/mo
▼ 0.25% · 3.875%
HK$69,799
−HK$1,849/mo
Today · 4.125%
HK$71,648
baseline
▲ 0.50% · 4.625%
HK$75,425
+HK$3,777/mo
Deposit HK$13.40M · loan HK$13.40M · min. income ≈ HK$143,296/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,138,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,323
−HK$4,598/mo
▼ 0.25% · 3.875%
HK$75,603
−HK$2,318/mo
Today · 4.125%
HK$77,921
baseline
▲ 0.50% · 4.625%
HK$82,662
+HK$4,741/mo
Deposit HK$10.72M · loan HK$16.08M · min. income ≈ HK$155,842/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,138,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,571
−HK$4,407/mo
▼ 0.25% · 3.875%
HK$83,758
−HK$2,220/mo
Today · 4.125%
HK$85,978
baseline
▲ 0.50% · 4.625%
HK$90,510
+HK$4,532/mo
Deposit HK$10.72M · loan HK$16.08M · min. income ≈ HK$171,956/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,138,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,543
−HK$5,364/mo
▼ 0.25% · 3.875%
HK$88,204
−HK$2,703/mo
Today · 4.125%
HK$90,907
baseline
▲ 0.50% · 4.625%
HK$96,439
+HK$5,532/mo
Deposit HK$8.04M · loan HK$18.76M · min. income ≈ HK$181,814/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,138,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,166
−HK$5,141/mo
▼ 0.25% · 3.875%
HK$97,718
−HK$2,589/mo
Today · 4.125%
HK$100,307
baseline
▲ 0.50% · 4.625%
HK$105,595
+HK$5,288/mo
Deposit HK$8.04M · loan HK$18.76M · min. income ≈ HK$200,614/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,138,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,984
−HK$6,897/mo
▼ 0.25% · 3.875%
HK$113,405
−HK$3,476/mo
Today · 4.125%
HK$116,881
baseline
▲ 0.50% · 4.625%
HK$123,993
+HK$7,112/mo
Deposit HK$2.68M · loan HK$24.12M · min. income ≈ HK$233,762/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,356
−HK$6,611/mo
▼ 0.25% · 3.875%
HK$125,638
−HK$3,329/mo
Today · 4.125%
HK$128,967
baseline
▲ 0.50% · 4.625%
HK$135,765
+HK$6,798/mo
Deposit HK$2.68M · loan HK$24.12M · min. income ≈ HK$257,934/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,840 · Scale 2, in force from 26 Feb 2026)