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$61,033
−HK$3,827/mo
▼ 0.25% · 3.875%
HK$62,931
−HK$1,929/mo
Today · 4.125%
HK$64,860
baseline
▲ 0.50% · 4.625%
HK$68,807
+HK$3,947/mo
Deposit HK$13.38M · loan HK$13.38M · min. income ≈ HK$129,720/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,137,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,898
−HK$3,669/mo
▼ 0.25% · 3.875%
HK$69,719
−HK$1,848/mo
Today · 4.125%
HK$71,567
baseline
▲ 0.50% · 4.625%
HK$75,339
+HK$3,772/mo
Deposit HK$13.38M · loan HK$13.38M · min. income ≈ HK$143,134/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,137,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,239
−HK$4,593/mo
▼ 0.25% · 3.875%
HK$75,517
−HK$2,315/mo
Today · 4.125%
HK$77,832
baseline
▲ 0.50% · 4.625%
HK$82,568
+HK$4,736/mo
Deposit HK$10.71M · loan HK$16.06M · min. income ≈ HK$155,664/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,137,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,478
−HK$4,402/mo
▼ 0.25% · 3.875%
HK$83,663
−HK$2,217/mo
Today · 4.125%
HK$85,880
baseline
▲ 0.50% · 4.625%
HK$90,407
+HK$4,527/mo
Deposit HK$10.71M · loan HK$16.06M · min. income ≈ HK$171,760/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,137,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,446
−HK$5,358/mo
▼ 0.25% · 3.875%
HK$88,104
−HK$2,700/mo
Today · 4.125%
HK$90,804
baseline
▲ 0.50% · 4.625%
HK$96,329
+HK$5,525/mo
Deposit HK$8.03M · loan HK$18.74M · min. income ≈ HK$181,608/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,137,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,057
−HK$5,136/mo
▼ 0.25% · 3.875%
HK$97,607
−HK$2,586/mo
Today · 4.125%
HK$100,193
baseline
▲ 0.50% · 4.625%
HK$105,474
+HK$5,281/mo
Deposit HK$8.03M · loan HK$18.74M · min. income ≈ HK$200,386/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,137,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,859
−HK$6,889/mo
▼ 0.25% · 3.875%
HK$113,276
−HK$3,472/mo
Today · 4.125%
HK$116,748
baseline
▲ 0.50% · 4.625%
HK$123,852
+HK$7,104/mo
Deposit HK$2.68M · loan HK$24.09M · min. income ≈ HK$233,496/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,137,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,217
−HK$6,603/mo
▼ 0.25% · 3.875%
HK$125,495
−HK$3,325/mo
Today · 4.125%
HK$128,820
baseline
▲ 0.50% · 4.625%
HK$135,610
+HK$6,790/mo
Deposit HK$2.68M · loan HK$24.09M · min. income ≈ HK$257,640/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,137,543 · Scale 2, in force from 26 Feb 2026)