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$61,221
−HK$3,839/mo
▼ 0.25% · 3.875%
HK$63,125
−HK$1,935/mo
Today · 4.125%
HK$65,060
baseline
▲ 0.50% · 4.625%
HK$69,019
+HK$3,959/mo
Deposit HK$13.42M · loan HK$13.42M · min. income ≈ HK$130,120/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,141,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,108
−HK$3,679/mo
▼ 0.25% · 3.875%
HK$69,934
−HK$1,853/mo
Today · 4.125%
HK$71,787
baseline
▲ 0.50% · 4.625%
HK$75,571
+HK$3,784/mo
Deposit HK$13.42M · loan HK$13.42M · min. income ≈ HK$143,574/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,141,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,465
−HK$4,607/mo
▼ 0.25% · 3.875%
HK$75,750
−HK$2,322/mo
Today · 4.125%
HK$78,072
baseline
▲ 0.50% · 4.625%
HK$82,823
+HK$4,751/mo
Deposit HK$10.74M · loan HK$16.11M · min. income ≈ HK$156,144/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,141,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,729
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$83,921
−HK$2,224/mo
Today · 4.125%
HK$86,145
baseline
▲ 0.50% · 4.625%
HK$90,686
+HK$4,541/mo
Deposit HK$10.74M · loan HK$16.11M · min. income ≈ HK$172,290/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,141,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,709
−HK$5,375/mo
▼ 0.25% · 3.875%
HK$88,375
−HK$2,709/mo
Today · 4.125%
HK$91,084
baseline
▲ 0.50% · 4.625%
HK$96,626
+HK$5,542/mo
Deposit HK$8.05M · loan HK$18.79M · min. income ≈ HK$182,168/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,141,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,351
−HK$5,151/mo
▼ 0.25% · 3.875%
HK$97,908
−HK$2,594/mo
Today · 4.125%
HK$100,502
baseline
▲ 0.50% · 4.625%
HK$105,800
+HK$5,298/mo
Deposit HK$8.05M · loan HK$18.79M · min. income ≈ HK$201,004/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,141,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,198
−HK$6,910/mo
▼ 0.25% · 3.875%
HK$113,625
−HK$3,483/mo
Today · 4.125%
HK$117,108
baseline
▲ 0.50% · 4.625%
HK$124,234
+HK$7,126/mo
Deposit HK$2.68M · loan HK$24.16M · min. income ≈ HK$234,216/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,141,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,594
−HK$6,623/mo
▼ 0.25% · 3.875%
HK$125,882
−HK$3,335/mo
Today · 4.125%
HK$129,217
baseline
▲ 0.50% · 4.625%
HK$136,028
+HK$6,811/mo
Deposit HK$2.68M · loan HK$24.16M · min. income ≈ HK$258,434/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,141,052 · Scale 2, in force from 26 Feb 2026)