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$61,181
−HK$3,837/mo
▼ 0.25% · 3.875%
HK$63,085
−HK$1,933/mo
Today · 4.125%
HK$65,018
baseline
▲ 0.50% · 4.625%
HK$68,974
+HK$3,956/mo
Deposit HK$13.42M · loan HK$13.42M · min. income ≈ HK$130,036/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,140,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,064
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$69,889
−HK$1,852/mo
Today · 4.125%
HK$71,741
baseline
▲ 0.50% · 4.625%
HK$75,523
+HK$3,782/mo
Deposit HK$13.42M · loan HK$13.42M · min. income ≈ HK$143,482/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,140,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,418
−HK$4,604/mo
▼ 0.25% · 3.875%
HK$75,701
−HK$2,321/mo
Today · 4.125%
HK$78,022
baseline
▲ 0.50% · 4.625%
HK$82,769
+HK$4,747/mo
Deposit HK$10.73M · loan HK$16.10M · min. income ≈ HK$156,044/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,140,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,677
−HK$4,412/mo
▼ 0.25% · 3.875%
HK$83,867
−HK$2,222/mo
Today · 4.125%
HK$86,089
baseline
▲ 0.50% · 4.625%
HK$90,627
+HK$4,538/mo
Deposit HK$10.73M · loan HK$16.10M · min. income ≈ HK$172,178/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,140,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,654
−HK$5,371/mo
▼ 0.25% · 3.875%
HK$88,318
−HK$2,707/mo
Today · 4.125%
HK$91,025
baseline
▲ 0.50% · 4.625%
HK$96,564
+HK$5,539/mo
Deposit HK$8.05M · loan HK$18.78M · min. income ≈ HK$182,050/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,289
−HK$5,148/mo
▼ 0.25% · 3.875%
HK$97,845
−HK$2,592/mo
Today · 4.125%
HK$100,437
baseline
▲ 0.50% · 4.625%
HK$105,732
+HK$5,295/mo
Deposit HK$8.05M · loan HK$18.78M · min. income ≈ HK$200,874/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,127
−HK$6,906/mo
▼ 0.25% · 3.875%
HK$113,552
−HK$3,481/mo
Today · 4.125%
HK$117,033
baseline
▲ 0.50% · 4.625%
HK$124,154
+HK$7,121/mo
Deposit HK$2.68M · loan HK$24.15M · min. income ≈ HK$234,066/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,140,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,515
−HK$6,619/mo
▼ 0.25% · 3.875%
HK$125,801
−HK$3,333/mo
Today · 4.125%
HK$129,134
baseline
▲ 0.50% · 4.625%
HK$135,941
+HK$6,807/mo
Deposit HK$2.68M · loan HK$24.15M · min. income ≈ HK$258,268/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,140,316 · Scale 2, in force from 26 Feb 2026)