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$61,191
−HK$3,837/mo
▼ 0.25% · 3.875%
HK$63,094
−HK$1,934/mo
Today · 4.125%
HK$65,028
baseline
▲ 0.50% · 4.625%
HK$68,985
+HK$3,957/mo
Deposit HK$13.42M · loan HK$13.42M · min. income ≈ HK$130,056/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,140,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,074
−HK$3,678/mo
▼ 0.25% · 3.875%
HK$69,900
−HK$1,852/mo
Today · 4.125%
HK$71,752
baseline
▲ 0.50% · 4.625%
HK$75,534
+HK$3,782/mo
Deposit HK$13.42M · loan HK$13.42M · min. income ≈ HK$143,504/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,140,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,429
−HK$4,604/mo
▼ 0.25% · 3.875%
HK$75,713
−HK$2,320/mo
Today · 4.125%
HK$78,033
baseline
▲ 0.50% · 4.625%
HK$82,781
+HK$4,748/mo
Deposit HK$10.73M · loan HK$16.10M · min. income ≈ HK$156,066/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,140,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,689
−HK$4,413/mo
▼ 0.25% · 3.875%
HK$83,880
−HK$2,222/mo
Today · 4.125%
HK$86,102
baseline
▲ 0.50% · 4.625%
HK$90,641
+HK$4,539/mo
Deposit HK$10.73M · loan HK$16.10M · min. income ≈ HK$172,204/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,140,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,667
−HK$5,372/mo
▼ 0.25% · 3.875%
HK$88,332
−HK$2,707/mo
Today · 4.125%
HK$91,039
baseline
▲ 0.50% · 4.625%
HK$96,578
+HK$5,539/mo
Deposit HK$8.05M · loan HK$18.78M · min. income ≈ HK$182,078/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,303
−HK$5,149/mo
▼ 0.25% · 3.875%
HK$97,859
−HK$2,593/mo
Today · 4.125%
HK$100,452
baseline
▲ 0.50% · 4.625%
HK$105,747
+HK$5,295/mo
Deposit HK$8.05M · loan HK$18.78M · min. income ≈ HK$200,904/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,143
−HK$6,907/mo
▼ 0.25% · 3.875%
HK$113,569
−HK$3,481/mo
Today · 4.125%
HK$117,050
baseline
▲ 0.50% · 4.625%
HK$124,172
+HK$7,122/mo
Deposit HK$2.68M · loan HK$24.15M · min. income ≈ HK$234,100/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,140,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,533
−HK$6,620/mo
▼ 0.25% · 3.875%
HK$125,819
−HK$3,334/mo
Today · 4.125%
HK$129,153
baseline
▲ 0.50% · 4.625%
HK$135,961
+HK$6,808/mo
Deposit HK$2.68M · loan HK$24.15M · min. income ≈ HK$258,306/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,140,486 · Scale 2, in force from 26 Feb 2026)