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$61,013
−HK$3,826/mo
▼ 0.25% · 3.875%
HK$62,911
−HK$1,928/mo
Today · 4.125%
HK$64,839
baseline
▲ 0.50% · 4.625%
HK$68,784
+HK$3,945/mo
Deposit HK$13.38M · loan HK$13.38M · min. income ≈ HK$129,678/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,137,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,876
−HK$3,667/mo
▼ 0.25% · 3.875%
HK$69,697
−HK$1,846/mo
Today · 4.125%
HK$71,543
baseline
▲ 0.50% · 4.625%
HK$75,314
+HK$3,771/mo
Deposit HK$13.38M · loan HK$13.38M · min. income ≈ HK$143,086/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,137,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,215
−HK$4,592/mo
▼ 0.25% · 3.875%
HK$75,493
−HK$2,314/mo
Today · 4.125%
HK$77,807
baseline
▲ 0.50% · 4.625%
HK$82,541
+HK$4,734/mo
Deposit HK$10.70M · loan HK$16.05M · min. income ≈ HK$155,614/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,137,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,451
−HK$4,401/mo
▼ 0.25% · 3.875%
HK$83,636
−HK$2,216/mo
Today · 4.125%
HK$85,852
baseline
▲ 0.50% · 4.625%
HK$90,377
+HK$4,525/mo
Deposit HK$10.70M · loan HK$16.05M · min. income ≈ HK$171,704/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,137,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,418
−HK$5,356/mo
▼ 0.25% · 3.875%
HK$88,075
−HK$2,699/mo
Today · 4.125%
HK$90,774
baseline
▲ 0.50% · 4.625%
HK$96,298
+HK$5,524/mo
Deposit HK$8.03M · loan HK$18.73M · min. income ≈ HK$181,548/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,137,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,027
−HK$5,134/mo
▼ 0.25% · 3.875%
HK$97,575
−HK$2,586/mo
Today · 4.125%
HK$100,161
baseline
▲ 0.50% · 4.625%
HK$105,440
+HK$5,279/mo
Deposit HK$8.03M · loan HK$18.73M · min. income ≈ HK$200,322/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,137,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,823
−HK$6,887/mo
▼ 0.25% · 3.875%
HK$113,239
−HK$3,471/mo
Today · 4.125%
HK$116,710
baseline
▲ 0.50% · 4.625%
HK$123,811
+HK$7,101/mo
Deposit HK$2.68M · loan HK$24.08M · min. income ≈ HK$233,420/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,137,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,177
−HK$6,601/mo
▼ 0.25% · 3.875%
HK$125,454
−HK$3,324/mo
Today · 4.125%
HK$128,778
baseline
▲ 0.50% · 4.625%
HK$135,566
+HK$6,788/mo
Deposit HK$2.68M · loan HK$24.08M · min. income ≈ HK$257,556/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,137,173 · Scale 2, in force from 26 Feb 2026)