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$61,185
−HK$3,837/mo
▼ 0.25% · 3.875%
HK$63,089
−HK$1,933/mo
Today · 4.125%
HK$65,022
baseline
▲ 0.50% · 4.625%
HK$68,979
+HK$3,957/mo
Deposit HK$13.42M · loan HK$13.42M · min. income ≈ HK$130,044/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,140,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,068
−HK$3,678/mo
▼ 0.25% · 3.875%
HK$69,894
−HK$1,852/mo
Today · 4.125%
HK$71,746
baseline
▲ 0.50% · 4.625%
HK$75,527
+HK$3,781/mo
Deposit HK$13.42M · loan HK$13.42M · min. income ≈ HK$143,492/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,140,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,422
−HK$4,605/mo
▼ 0.25% · 3.875%
HK$75,706
−HK$2,321/mo
Today · 4.125%
HK$78,027
baseline
▲ 0.50% · 4.625%
HK$82,774
+HK$4,747/mo
Deposit HK$10.73M · loan HK$16.10M · min. income ≈ HK$156,054/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,140,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,682
−HK$4,413/mo
▼ 0.25% · 3.875%
HK$83,872
−HK$2,223/mo
Today · 4.125%
HK$86,095
baseline
▲ 0.50% · 4.625%
HK$90,633
+HK$4,538/mo
Deposit HK$10.73M · loan HK$16.10M · min. income ≈ HK$172,190/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,140,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,659
−HK$5,372/mo
▼ 0.25% · 3.875%
HK$88,324
−HK$2,707/mo
Today · 4.125%
HK$91,031
baseline
▲ 0.50% · 4.625%
HK$96,570
+HK$5,539/mo
Deposit HK$8.05M · loan HK$18.78M · min. income ≈ HK$182,062/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,295
−HK$5,149/mo
▼ 0.25% · 3.875%
HK$97,851
−HK$2,593/mo
Today · 4.125%
HK$100,444
baseline
▲ 0.50% · 4.625%
HK$105,738
+HK$5,294/mo
Deposit HK$8.05M · loan HK$18.78M · min. income ≈ HK$200,888/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,134
−HK$6,906/mo
▼ 0.25% · 3.875%
HK$113,559
−HK$3,481/mo
Today · 4.125%
HK$117,040
baseline
▲ 0.50% · 4.625%
HK$124,162
+HK$7,122/mo
Deposit HK$2.68M · loan HK$24.15M · min. income ≈ HK$234,080/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,140,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,523
−HK$6,619/mo
▼ 0.25% · 3.875%
HK$125,809
−HK$3,333/mo
Today · 4.125%
HK$129,142
baseline
▲ 0.50% · 4.625%
HK$135,949
+HK$6,807/mo
Deposit HK$2.68M · loan HK$24.15M · min. income ≈ HK$258,284/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,140,389 · Scale 2, in force from 26 Feb 2026)