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$61,215
−HK$3,838/mo
▼ 0.25% · 3.875%
HK$63,119
−HK$1,934/mo
Today · 4.125%
HK$65,053
baseline
▲ 0.50% · 4.625%
HK$69,012
+HK$3,959/mo
Deposit HK$13.42M · loan HK$13.42M · min. income ≈ HK$130,106/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,140,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,101
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$69,927
−HK$1,853/mo
Today · 4.125%
HK$71,780
baseline
▲ 0.50% · 4.625%
HK$75,563
+HK$3,783/mo
Deposit HK$13.42M · loan HK$13.42M · min. income ≈ HK$143,560/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,140,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,458
−HK$4,606/mo
▼ 0.25% · 3.875%
HK$75,742
−HK$2,322/mo
Today · 4.125%
HK$78,064
baseline
▲ 0.50% · 4.625%
HK$82,814
+HK$4,750/mo
Deposit HK$10.74M · loan HK$16.11M · min. income ≈ HK$156,128/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,140,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,721
−HK$4,415/mo
▼ 0.25% · 3.875%
HK$83,912
−HK$2,224/mo
Today · 4.125%
HK$86,136
baseline
▲ 0.50% · 4.625%
HK$90,676
+HK$4,540/mo
Deposit HK$10.74M · loan HK$16.11M · min. income ≈ HK$172,272/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,140,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,700
−HK$5,375/mo
▼ 0.25% · 3.875%
HK$88,366
−HK$2,709/mo
Today · 4.125%
HK$91,075
baseline
▲ 0.50% · 4.625%
HK$96,616
+HK$5,541/mo
Deposit HK$8.05M · loan HK$18.79M · min. income ≈ HK$182,150/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,341
−HK$5,151/mo
▼ 0.25% · 3.875%
HK$97,898
−HK$2,594/mo
Today · 4.125%
HK$100,492
baseline
▲ 0.50% · 4.625%
HK$105,789
+HK$5,297/mo
Deposit HK$8.05M · loan HK$18.79M · min. income ≈ HK$200,984/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,186
−HK$6,910/mo
▼ 0.25% · 3.875%
HK$113,614
−HK$3,482/mo
Today · 4.125%
HK$117,096
baseline
▲ 0.50% · 4.625%
HK$124,221
+HK$7,125/mo
Deposit HK$2.68M · loan HK$24.16M · min. income ≈ HK$234,192/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,140,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,581
−HK$6,623/mo
▼ 0.25% · 3.875%
HK$125,869
−HK$3,335/mo
Today · 4.125%
HK$129,204
baseline
▲ 0.50% · 4.625%
HK$136,014
+HK$6,810/mo
Deposit HK$2.68M · loan HK$24.16M · min. income ≈ HK$258,408/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,140,934 · Scale 2, in force from 26 Feb 2026)