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$61,020
−HK$3,827/mo
▼ 0.25% · 3.875%
HK$62,918
−HK$1,929/mo
Today · 4.125%
HK$64,847
baseline
▲ 0.50% · 4.625%
HK$68,792
+HK$3,945/mo
Deposit HK$13.38M · loan HK$13.38M · min. income ≈ HK$129,694/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,137,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,884
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$69,705
−HK$1,847/mo
Today · 4.125%
HK$71,552
baseline
▲ 0.50% · 4.625%
HK$75,323
+HK$3,771/mo
Deposit HK$13.38M · loan HK$13.38M · min. income ≈ HK$143,104/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,137,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,224
−HK$4,592/mo
▼ 0.25% · 3.875%
HK$75,502
−HK$2,314/mo
Today · 4.125%
HK$77,816
baseline
▲ 0.50% · 4.625%
HK$82,551
+HK$4,735/mo
Deposit HK$10.70M · loan HK$16.06M · min. income ≈ HK$155,632/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,137,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,461
−HK$4,401/mo
▼ 0.25% · 3.875%
HK$83,646
−HK$2,216/mo
Today · 4.125%
HK$85,862
baseline
▲ 0.50% · 4.625%
HK$90,388
+HK$4,526/mo
Deposit HK$10.70M · loan HK$16.06M · min. income ≈ HK$171,724/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,137,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,428
−HK$5,357/mo
▼ 0.25% · 3.875%
HK$88,085
−HK$2,700/mo
Today · 4.125%
HK$90,785
baseline
▲ 0.50% · 4.625%
HK$96,309
+HK$5,524/mo
Deposit HK$8.03M · loan HK$18.73M · min. income ≈ HK$181,570/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,137,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,038
−HK$5,135/mo
▼ 0.25% · 3.875%
HK$97,587
−HK$2,586/mo
Today · 4.125%
HK$100,173
baseline
▲ 0.50% · 4.625%
HK$105,453
+HK$5,280/mo
Deposit HK$8.03M · loan HK$18.73M · min. income ≈ HK$200,346/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,137,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,836
−HK$6,888/mo
▼ 0.25% · 3.875%
HK$113,253
−HK$3,471/mo
Today · 4.125%
HK$116,724
baseline
▲ 0.50% · 4.625%
HK$123,826
+HK$7,102/mo
Deposit HK$2.68M · loan HK$24.08M · min. income ≈ HK$233,448/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,137,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,192
−HK$6,601/mo
▼ 0.25% · 3.875%
HK$125,469
−HK$3,324/mo
Today · 4.125%
HK$128,793
baseline
▲ 0.50% · 4.625%
HK$135,582
+HK$6,789/mo
Deposit HK$2.68M · loan HK$24.08M · min. income ≈ HK$257,586/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,137,308 · Scale 2, in force from 26 Feb 2026)