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$61,031
−HK$3,828/mo
▼ 0.25% · 3.875%
HK$62,930
−HK$1,929/mo
Today · 4.125%
HK$64,859
baseline
▲ 0.50% · 4.625%
HK$68,805
+HK$3,946/mo
Deposit HK$13.38M · loan HK$13.38M · min. income ≈ HK$129,718/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,137,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,897
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$69,718
−HK$1,847/mo
Today · 4.125%
HK$71,565
baseline
▲ 0.50% · 4.625%
HK$75,337
+HK$3,772/mo
Deposit HK$13.38M · loan HK$13.38M · min. income ≈ HK$143,130/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,137,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,238
−HK$4,592/mo
▼ 0.25% · 3.875%
HK$75,516
−HK$2,314/mo
Today · 4.125%
HK$77,830
baseline
▲ 0.50% · 4.625%
HK$82,566
+HK$4,736/mo
Deposit HK$10.71M · loan HK$16.06M · min. income ≈ HK$155,660/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,137,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,476
−HK$4,402/mo
▼ 0.25% · 3.875%
HK$83,661
−HK$2,217/mo
Today · 4.125%
HK$85,878
baseline
▲ 0.50% · 4.625%
HK$90,405
+HK$4,527/mo
Deposit HK$10.71M · loan HK$16.06M · min. income ≈ HK$171,756/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,137,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,444
−HK$5,358/mo
▼ 0.25% · 3.875%
HK$88,102
−HK$2,700/mo
Today · 4.125%
HK$90,802
baseline
▲ 0.50% · 4.625%
HK$96,327
+HK$5,525/mo
Deposit HK$8.03M · loan HK$18.74M · min. income ≈ HK$181,604/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,137,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,055
−HK$5,136/mo
▼ 0.25% · 3.875%
HK$97,605
−HK$2,586/mo
Today · 4.125%
HK$100,191
baseline
▲ 0.50% · 4.625%
HK$105,472
+HK$5,281/mo
Deposit HK$8.03M · loan HK$18.74M · min. income ≈ HK$200,382/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,137,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,856
−HK$6,889/mo
▼ 0.25% · 3.875%
HK$113,274
−HK$3,471/mo
Today · 4.125%
HK$116,745
baseline
▲ 0.50% · 4.625%
HK$123,849
+HK$7,104/mo
Deposit HK$2.68M · loan HK$24.09M · min. income ≈ HK$233,490/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,137,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,214
−HK$6,603/mo
▼ 0.25% · 3.875%
HK$125,492
−HK$3,325/mo
Today · 4.125%
HK$128,817
baseline
▲ 0.50% · 4.625%
HK$135,607
+HK$6,790/mo
Deposit HK$2.68M · loan HK$24.09M · min. income ≈ HK$257,634/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,137,518 · Scale 2, in force from 26 Feb 2026)