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$61,122
−HK$3,833/mo
▼ 0.25% · 3.875%
HK$63,024
−HK$1,931/mo
Today · 4.125%
HK$64,955
baseline
▲ 0.50% · 4.625%
HK$68,908
+HK$3,953/mo
Deposit HK$13.40M · loan HK$13.40M · min. income ≈ HK$129,910/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,139,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,998
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$69,822
−HK$1,850/mo
Today · 4.125%
HK$71,672
baseline
▲ 0.50% · 4.625%
HK$75,450
+HK$3,778/mo
Deposit HK$13.40M · loan HK$13.40M · min. income ≈ HK$143,344/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,139,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,347
−HK$4,599/mo
▼ 0.25% · 3.875%
HK$75,628
−HK$2,318/mo
Today · 4.125%
HK$77,946
baseline
▲ 0.50% · 4.625%
HK$82,689
+HK$4,743/mo
Deposit HK$10.72M · loan HK$16.08M · min. income ≈ HK$155,892/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,139,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,598
−HK$4,408/mo
▼ 0.25% · 3.875%
HK$83,786
−HK$2,220/mo
Today · 4.125%
HK$86,006
baseline
▲ 0.50% · 4.625%
HK$90,540
+HK$4,534/mo
Deposit HK$10.72M · loan HK$16.08M · min. income ≈ HK$172,012/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,139,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,571
−HK$5,366/mo
▼ 0.25% · 3.875%
HK$88,233
−HK$2,704/mo
Today · 4.125%
HK$90,937
baseline
▲ 0.50% · 4.625%
HK$96,471
+HK$5,534/mo
Deposit HK$8.04M · loan HK$18.76M · min. income ≈ HK$181,874/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,139,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,197
−HK$5,143/mo
▼ 0.25% · 3.875%
HK$97,750
−HK$2,590/mo
Today · 4.125%
HK$100,340
baseline
▲ 0.50% · 4.625%
HK$105,630
+HK$5,290/mo
Deposit HK$8.04M · loan HK$18.76M · min. income ≈ HK$200,680/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,139,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,020
−HK$6,900/mo
▼ 0.25% · 3.875%
HK$113,443
−HK$3,477/mo
Today · 4.125%
HK$116,920
baseline
▲ 0.50% · 4.625%
HK$124,034
+HK$7,114/mo
Deposit HK$2.68M · loan HK$24.12M · min. income ≈ HK$233,840/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,139,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,396
−HK$6,613/mo
▼ 0.25% · 3.875%
HK$125,679
−HK$3,330/mo
Today · 4.125%
HK$129,009
baseline
▲ 0.50% · 4.625%
HK$135,809
+HK$6,800/mo
Deposit HK$2.68M · loan HK$24.12M · min. income ≈ HK$258,018/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,139,215 · Scale 2, in force from 26 Feb 2026)