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$61,094
−HK$3,831/mo
▼ 0.25% · 3.875%
HK$62,994
−HK$1,931/mo
Today · 4.125%
HK$64,925
baseline
▲ 0.50% · 4.625%
HK$68,875
+HK$3,950/mo
Deposit HK$13.40M · loan HK$13.40M · min. income ≈ HK$129,850/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,138,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,966
−HK$3,672/mo
▼ 0.25% · 3.875%
HK$69,789
−HK$1,849/mo
Today · 4.125%
HK$71,638
baseline
▲ 0.50% · 4.625%
HK$75,414
+HK$3,776/mo
Deposit HK$13.40M · loan HK$13.40M · min. income ≈ HK$143,276/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,138,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,312
−HK$4,598/mo
▼ 0.25% · 3.875%
HK$75,593
−HK$2,317/mo
Today · 4.125%
HK$77,910
baseline
▲ 0.50% · 4.625%
HK$82,650
+HK$4,740/mo
Deposit HK$10.72M · loan HK$16.08M · min. income ≈ HK$155,820/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,138,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,559
−HK$4,407/mo
▼ 0.25% · 3.875%
HK$83,747
−HK$2,219/mo
Today · 4.125%
HK$85,966
baseline
▲ 0.50% · 4.625%
HK$90,497
+HK$4,531/mo
Deposit HK$10.72M · loan HK$16.08M · min. income ≈ HK$171,932/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,138,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,531
−HK$5,364/mo
▼ 0.25% · 3.875%
HK$88,192
−HK$2,703/mo
Today · 4.125%
HK$90,895
baseline
▲ 0.50% · 4.625%
HK$96,425
+HK$5,530/mo
Deposit HK$8.04M · loan HK$18.75M · min. income ≈ HK$181,790/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,138,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,153
−HK$5,140/mo
▼ 0.25% · 3.875%
HK$97,704
−HK$2,589/mo
Today · 4.125%
HK$100,293
baseline
▲ 0.50% · 4.625%
HK$105,580
+HK$5,287/mo
Deposit HK$8.04M · loan HK$18.75M · min. income ≈ HK$200,586/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,138,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,969
−HK$6,896/mo
▼ 0.25% · 3.875%
HK$113,389
−HK$3,476/mo
Today · 4.125%
HK$116,865
baseline
▲ 0.50% · 4.625%
HK$123,976
+HK$7,111/mo
Deposit HK$2.68M · loan HK$24.11M · min. income ≈ HK$233,730/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,339
−HK$6,610/mo
▼ 0.25% · 3.875%
HK$125,620
−HK$3,329/mo
Today · 4.125%
HK$128,949
baseline
▲ 0.50% · 4.625%
HK$135,746
+HK$6,797/mo
Deposit HK$2.68M · loan HK$24.11M · min. income ≈ HK$257,898/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,680 · Scale 2, in force from 26 Feb 2026)