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$61,228
−HK$3,840/mo
▼ 0.25% · 3.875%
HK$63,133
−HK$1,935/mo
Today · 4.125%
HK$65,068
baseline
▲ 0.50% · 4.625%
HK$69,027
+HK$3,959/mo
Deposit HK$13.43M · loan HK$13.43M · min. income ≈ HK$130,136/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,141,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,116
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$69,942
−HK$1,854/mo
Today · 4.125%
HK$71,796
baseline
▲ 0.50% · 4.625%
HK$75,580
+HK$3,784/mo
Deposit HK$13.43M · loan HK$13.43M · min. income ≈ HK$143,592/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,141,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,474
−HK$4,607/mo
▼ 0.25% · 3.875%
HK$75,759
−HK$2,322/mo
Today · 4.125%
HK$78,081
baseline
▲ 0.50% · 4.625%
HK$82,832
+HK$4,751/mo
Deposit HK$10.74M · loan HK$16.11M · min. income ≈ HK$156,162/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,141,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,739
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$83,931
−HK$2,224/mo
Today · 4.125%
HK$86,155
baseline
▲ 0.50% · 4.625%
HK$90,696
+HK$4,541/mo
Deposit HK$10.74M · loan HK$16.11M · min. income ≈ HK$172,310/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,141,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,719
−HK$5,376/mo
▼ 0.25% · 3.875%
HK$88,386
−HK$2,709/mo
Today · 4.125%
HK$91,095
baseline
▲ 0.50% · 4.625%
HK$96,638
+HK$5,543/mo
Deposit HK$8.06M · loan HK$18.80M · min. income ≈ HK$182,190/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,141,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,362
−HK$5,152/mo
▼ 0.25% · 3.875%
HK$97,919
−HK$2,595/mo
Today · 4.125%
HK$100,514
baseline
▲ 0.50% · 4.625%
HK$105,812
+HK$5,298/mo
Deposit HK$8.06M · loan HK$18.80M · min. income ≈ HK$201,028/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,141,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,210
−HK$6,912/mo
▼ 0.25% · 3.875%
HK$113,639
−HK$3,483/mo
Today · 4.125%
HK$117,122
baseline
▲ 0.50% · 4.625%
HK$124,248
+HK$7,126/mo
Deposit HK$2.69M · loan HK$24.17M · min. income ≈ HK$234,244/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,141,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,608
−HK$6,624/mo
▼ 0.25% · 3.875%
HK$125,896
−HK$3,336/mo
Today · 4.125%
HK$129,232
baseline
▲ 0.50% · 4.625%
HK$136,044
+HK$6,812/mo
Deposit HK$2.69M · loan HK$24.17M · min. income ≈ HK$258,464/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,141,184 · Scale 2, in force from 26 Feb 2026)