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$61,137
−HK$3,834/mo
▼ 0.25% · 3.875%
HK$63,039
−HK$1,932/mo
Today · 4.125%
HK$64,971
baseline
▲ 0.50% · 4.625%
HK$68,924
+HK$3,953/mo
Deposit HK$13.41M · loan HK$13.41M · min. income ≈ HK$129,942/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,139,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,014
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$69,838
−HK$1,851/mo
Today · 4.125%
HK$71,689
baseline
▲ 0.50% · 4.625%
HK$75,468
+HK$3,779/mo
Deposit HK$13.41M · loan HK$13.41M · min. income ≈ HK$143,378/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,139,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,364
−HK$4,601/mo
▼ 0.25% · 3.875%
HK$75,646
−HK$2,319/mo
Today · 4.125%
HK$77,965
baseline
▲ 0.50% · 4.625%
HK$82,709
+HK$4,744/mo
Deposit HK$10.72M · loan HK$16.09M · min. income ≈ HK$155,930/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,139,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,617
−HK$4,410/mo
▼ 0.25% · 3.875%
HK$83,806
−HK$2,221/mo
Today · 4.125%
HK$86,027
baseline
▲ 0.50% · 4.625%
HK$90,561
+HK$4,534/mo
Deposit HK$10.72M · loan HK$16.09M · min. income ≈ HK$172,054/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,139,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,592
−HK$5,367/mo
▼ 0.25% · 3.875%
HK$88,254
−HK$2,705/mo
Today · 4.125%
HK$90,959
baseline
▲ 0.50% · 4.625%
HK$96,494
+HK$5,535/mo
Deposit HK$8.04M · loan HK$18.77M · min. income ≈ HK$181,918/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,139,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,220
−HK$5,144/mo
▼ 0.25% · 3.875%
HK$97,774
−HK$2,590/mo
Today · 4.125%
HK$100,364
baseline
▲ 0.50% · 4.625%
HK$105,655
+HK$5,291/mo
Deposit HK$8.04M · loan HK$18.77M · min. income ≈ HK$200,728/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,139,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,047
−HK$6,900/mo
▼ 0.25% · 3.875%
HK$113,470
−HK$3,477/mo
Today · 4.125%
HK$116,947
baseline
▲ 0.50% · 4.625%
HK$124,063
+HK$7,116/mo
Deposit HK$2.68M · loan HK$24.13M · min. income ≈ HK$233,894/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,139,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,426
−HK$6,614/mo
▼ 0.25% · 3.875%
HK$125,709
−HK$3,331/mo
Today · 4.125%
HK$129,040
baseline
▲ 0.50% · 4.625%
HK$135,842
+HK$6,802/mo
Deposit HK$2.68M · loan HK$24.13M · min. income ≈ HK$258,080/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,139,487 · Scale 2, in force from 26 Feb 2026)