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$61,134
−HK$3,834/mo
▼ 0.25% · 3.875%
HK$63,036
−HK$1,932/mo
Today · 4.125%
HK$64,968
baseline
▲ 0.50% · 4.625%
HK$68,921
+HK$3,953/mo
Deposit HK$13.41M · loan HK$13.41M · min. income ≈ HK$129,936/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,139,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,011
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$69,835
−HK$1,851/mo
Today · 4.125%
HK$71,686
baseline
▲ 0.50% · 4.625%
HK$75,465
+HK$3,779/mo
Deposit HK$13.41M · loan HK$13.41M · min. income ≈ HK$143,372/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,139,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,361
−HK$4,601/mo
▼ 0.25% · 3.875%
HK$75,643
−HK$2,319/mo
Today · 4.125%
HK$77,962
baseline
▲ 0.50% · 4.625%
HK$82,705
+HK$4,743/mo
Deposit HK$10.72M · loan HK$16.09M · min. income ≈ HK$155,924/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,139,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,614
−HK$4,409/mo
▼ 0.25% · 3.875%
HK$83,803
−HK$2,220/mo
Today · 4.125%
HK$86,023
baseline
▲ 0.50% · 4.625%
HK$90,557
+HK$4,534/mo
Deposit HK$10.72M · loan HK$16.09M · min. income ≈ HK$172,046/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,139,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,588
−HK$5,367/mo
▼ 0.25% · 3.875%
HK$88,250
−HK$2,705/mo
Today · 4.125%
HK$90,955
baseline
▲ 0.50% · 4.625%
HK$96,490
+HK$5,535/mo
Deposit HK$8.04M · loan HK$18.77M · min. income ≈ HK$181,910/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,139,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,216
−HK$5,144/mo
▼ 0.25% · 3.875%
HK$97,770
−HK$2,590/mo
Today · 4.125%
HK$100,360
baseline
▲ 0.50% · 4.625%
HK$105,650
+HK$5,290/mo
Deposit HK$8.04M · loan HK$18.77M · min. income ≈ HK$200,720/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,139,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,042
−HK$6,901/mo
▼ 0.25% · 3.875%
HK$113,465
−HK$3,478/mo
Today · 4.125%
HK$116,943
baseline
▲ 0.50% · 4.625%
HK$124,058
+HK$7,115/mo
Deposit HK$2.68M · loan HK$24.13M · min. income ≈ HK$233,886/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,139,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,421
−HK$6,614/mo
▼ 0.25% · 3.875%
HK$125,704
−HK$3,331/mo
Today · 4.125%
HK$129,035
baseline
▲ 0.50% · 4.625%
HK$135,836
+HK$6,801/mo
Deposit HK$2.68M · loan HK$24.13M · min. income ≈ HK$258,070/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,139,439 · Scale 2, in force from 26 Feb 2026)