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$60,995
−HK$3,825/mo
▼ 0.25% · 3.875%
HK$62,893
−HK$1,927/mo
Today · 4.125%
HK$64,820
baseline
▲ 0.50% · 4.625%
HK$68,765
+HK$3,945/mo
Deposit HK$13.37M · loan HK$13.37M · min. income ≈ HK$129,640/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,136,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,857
−HK$3,666/mo
▼ 0.25% · 3.875%
HK$69,677
−HK$1,846/mo
Today · 4.125%
HK$71,523
baseline
▲ 0.50% · 4.625%
HK$75,293
+HK$3,770/mo
Deposit HK$13.37M · loan HK$13.37M · min. income ≈ HK$143,046/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,136,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,194
−HK$4,590/mo
▼ 0.25% · 3.875%
HK$75,471
−HK$2,313/mo
Today · 4.125%
HK$77,784
baseline
▲ 0.50% · 4.625%
HK$82,517
+HK$4,733/mo
Deposit HK$10.70M · loan HK$16.05M · min. income ≈ HK$155,568/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,136,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,428
−HK$4,399/mo
▼ 0.25% · 3.875%
HK$83,612
−HK$2,215/mo
Today · 4.125%
HK$85,827
baseline
▲ 0.50% · 4.625%
HK$90,352
+HK$4,525/mo
Deposit HK$10.70M · loan HK$16.05M · min. income ≈ HK$171,654/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,136,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,394
−HK$5,355/mo
▼ 0.25% · 3.875%
HK$88,050
−HK$2,699/mo
Today · 4.125%
HK$90,749
baseline
▲ 0.50% · 4.625%
HK$96,270
+HK$5,521/mo
Deposit HK$8.02M · loan HK$18.72M · min. income ≈ HK$181,498/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,136,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,000
−HK$5,132/mo
▼ 0.25% · 3.875%
HK$97,547
−HK$2,585/mo
Today · 4.125%
HK$100,132
baseline
▲ 0.50% · 4.625%
HK$105,410
+HK$5,278/mo
Deposit HK$8.02M · loan HK$18.72M · min. income ≈ HK$200,264/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,136,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,792
−HK$6,885/mo
▼ 0.25% · 3.875%
HK$113,207
−HK$3,470/mo
Today · 4.125%
HK$116,677
baseline
▲ 0.50% · 4.625%
HK$123,776
+HK$7,099/mo
Deposit HK$2.67M · loan HK$24.07M · min. income ≈ HK$233,354/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,136,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,142
−HK$6,599/mo
▼ 0.25% · 3.875%
HK$125,418
−HK$3,323/mo
Today · 4.125%
HK$128,741
baseline
▲ 0.50% · 4.625%
HK$135,527
+HK$6,786/mo
Deposit HK$2.67M · loan HK$24.07M · min. income ≈ HK$257,482/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,136,849 · Scale 2, in force from 26 Feb 2026)