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$61,232
−HK$3,839/mo
▼ 0.25% · 3.875%
HK$63,136
−HK$1,935/mo
Today · 4.125%
HK$65,071
baseline
▲ 0.50% · 4.625%
HK$69,031
+HK$3,960/mo
Deposit HK$13.43M · loan HK$13.43M · min. income ≈ HK$130,142/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,141,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,120
−HK$3,680/mo
▼ 0.25% · 3.875%
HK$69,947
−HK$1,853/mo
Today · 4.125%
HK$71,800
baseline
▲ 0.50% · 4.625%
HK$75,585
+HK$3,785/mo
Deposit HK$13.43M · loan HK$13.43M · min. income ≈ HK$143,600/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,141,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,478
−HK$4,608/mo
▼ 0.25% · 3.875%
HK$75,764
−HK$2,322/mo
Today · 4.125%
HK$78,086
baseline
▲ 0.50% · 4.625%
HK$82,837
+HK$4,751/mo
Deposit HK$10.74M · loan HK$16.11M · min. income ≈ HK$156,172/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,141,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,744
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$83,936
−HK$2,224/mo
Today · 4.125%
HK$86,160
baseline
▲ 0.50% · 4.625%
HK$90,702
+HK$4,542/mo
Deposit HK$10.74M · loan HK$16.11M · min. income ≈ HK$172,320/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,141,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,724
−HK$5,376/mo
▼ 0.25% · 3.875%
HK$88,391
−HK$2,709/mo
Today · 4.125%
HK$91,100
baseline
▲ 0.50% · 4.625%
HK$96,643
+HK$5,543/mo
Deposit HK$8.06M · loan HK$18.80M · min. income ≈ HK$182,200/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,141,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,368
−HK$5,152/mo
▼ 0.25% · 3.875%
HK$97,925
−HK$2,595/mo
Today · 4.125%
HK$100,520
baseline
▲ 0.50% · 4.625%
HK$105,819
+HK$5,299/mo
Deposit HK$8.06M · loan HK$18.80M · min. income ≈ HK$201,040/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,141,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,217
−HK$6,912/mo
▼ 0.25% · 3.875%
HK$113,645
−HK$3,484/mo
Today · 4.125%
HK$117,129
baseline
▲ 0.50% · 4.625%
HK$124,256
+HK$7,127/mo
Deposit HK$2.69M · loan HK$24.17M · min. income ≈ HK$234,258/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,141,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,615
−HK$6,625/mo
▼ 0.25% · 3.875%
HK$125,904
−HK$3,336/mo
Today · 4.125%
HK$129,240
baseline
▲ 0.50% · 4.625%
HK$136,052
+HK$6,812/mo
Deposit HK$2.69M · loan HK$24.17M · min. income ≈ HK$258,480/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,141,253 · Scale 2, in force from 26 Feb 2026)