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$61,128
−HK$3,833/mo
▼ 0.25% · 3.875%
HK$63,030
−HK$1,931/mo
Today · 4.125%
HK$64,961
baseline
▲ 0.50% · 4.625%
HK$68,914
+HK$3,953/mo
Deposit HK$13.40M · loan HK$13.40M · min. income ≈ HK$129,922/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,139,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,004
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$69,828
−HK$1,850/mo
Today · 4.125%
HK$71,678
baseline
▲ 0.50% · 4.625%
HK$75,457
+HK$3,779/mo
Deposit HK$13.40M · loan HK$13.40M · min. income ≈ HK$143,356/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,139,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,354
−HK$4,600/mo
▼ 0.25% · 3.875%
HK$75,635
−HK$2,319/mo
Today · 4.125%
HK$77,954
baseline
▲ 0.50% · 4.625%
HK$82,697
+HK$4,743/mo
Deposit HK$10.72M · loan HK$16.08M · min. income ≈ HK$155,908/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,139,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,605
−HK$4,409/mo
▼ 0.25% · 3.875%
HK$83,794
−HK$2,220/mo
Today · 4.125%
HK$86,014
baseline
▲ 0.50% · 4.625%
HK$90,548
+HK$4,534/mo
Deposit HK$10.72M · loan HK$16.08M · min. income ≈ HK$172,028/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,139,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,579
−HK$5,367/mo
▼ 0.25% · 3.875%
HK$88,241
−HK$2,705/mo
Today · 4.125%
HK$90,946
baseline
▲ 0.50% · 4.625%
HK$96,480
+HK$5,534/mo
Deposit HK$8.04M · loan HK$18.77M · min. income ≈ HK$181,892/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,139,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,206
−HK$5,144/mo
▼ 0.25% · 3.875%
HK$97,760
−HK$2,590/mo
Today · 4.125%
HK$100,350
baseline
▲ 0.50% · 4.625%
HK$105,639
+HK$5,289/mo
Deposit HK$8.04M · loan HK$18.77M · min. income ≈ HK$200,700/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,139,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,031
−HK$6,899/mo
▼ 0.25% · 3.875%
HK$113,453
−HK$3,477/mo
Today · 4.125%
HK$116,930
baseline
▲ 0.50% · 4.625%
HK$124,045
+HK$7,115/mo
Deposit HK$2.68M · loan HK$24.13M · min. income ≈ HK$233,860/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,139,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,408
−HK$6,613/mo
▼ 0.25% · 3.875%
HK$125,691
−HK$3,330/mo
Today · 4.125%
HK$129,021
baseline
▲ 0.50% · 4.625%
HK$135,822
+HK$6,801/mo
Deposit HK$2.68M · loan HK$24.13M · min. income ≈ HK$258,042/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,139,322 · Scale 2, in force from 26 Feb 2026)