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$61,068
−HK$3,829/mo
▼ 0.25% · 3.875%
HK$62,967
−HK$1,930/mo
Today · 4.125%
HK$64,897
baseline
▲ 0.50% · 4.625%
HK$68,846
+HK$3,949/mo
Deposit HK$13.39M · loan HK$13.39M · min. income ≈ HK$129,794/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,138,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,937
−HK$3,671/mo
▼ 0.25% · 3.875%
HK$69,759
−HK$1,849/mo
Today · 4.125%
HK$71,608
baseline
▲ 0.50% · 4.625%
HK$75,382
+HK$3,774/mo
Deposit HK$13.39M · loan HK$13.39M · min. income ≈ HK$143,216/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,138,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,281
−HK$4,596/mo
▼ 0.25% · 3.875%
HK$75,561
−HK$2,316/mo
Today · 4.125%
HK$77,877
baseline
▲ 0.50% · 4.625%
HK$82,615
+HK$4,738/mo
Deposit HK$10.71M · loan HK$16.07M · min. income ≈ HK$155,754/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,138,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,525
−HK$4,404/mo
▼ 0.25% · 3.875%
HK$83,711
−HK$2,218/mo
Today · 4.125%
HK$85,929
baseline
▲ 0.50% · 4.625%
HK$90,459
+HK$4,530/mo
Deposit HK$10.71M · loan HK$16.07M · min. income ≈ HK$171,858/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,138,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,495
−HK$5,361/mo
▼ 0.25% · 3.875%
HK$88,154
−HK$2,702/mo
Today · 4.125%
HK$90,856
baseline
▲ 0.50% · 4.625%
HK$96,385
+HK$5,529/mo
Deposit HK$8.03M · loan HK$18.75M · min. income ≈ HK$181,712/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,138,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,112
−HK$5,139/mo
▼ 0.25% · 3.875%
HK$97,663
−HK$2,588/mo
Today · 4.125%
HK$100,251
baseline
▲ 0.50% · 4.625%
HK$105,535
+HK$5,284/mo
Deposit HK$8.03M · loan HK$18.75M · min. income ≈ HK$200,502/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,138,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,922
−HK$6,893/mo
▼ 0.25% · 3.875%
HK$113,341
−HK$3,474/mo
Today · 4.125%
HK$116,815
baseline
▲ 0.50% · 4.625%
HK$123,923
+HK$7,108/mo
Deposit HK$2.68M · loan HK$24.10M · min. income ≈ HK$233,630/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,287
−HK$6,607/mo
▼ 0.25% · 3.875%
HK$125,567
−HK$3,327/mo
Today · 4.125%
HK$128,894
baseline
▲ 0.50% · 4.625%
HK$135,688
+HK$6,794/mo
Deposit HK$2.68M · loan HK$24.10M · min. income ≈ HK$257,788/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,199 · Scale 2, in force from 26 Feb 2026)