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$61,036
−HK$3,827/mo
▼ 0.25% · 3.875%
HK$62,934
−HK$1,929/mo
Today · 4.125%
HK$64,863
baseline
▲ 0.50% · 4.625%
HK$68,810
+HK$3,947/mo
Deposit HK$13.38M · loan HK$13.38M · min. income ≈ HK$129,726/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,137,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,901
−HK$3,669/mo
▼ 0.25% · 3.875%
HK$69,722
−HK$1,848/mo
Today · 4.125%
HK$71,570
baseline
▲ 0.50% · 4.625%
HK$75,342
+HK$3,772/mo
Deposit HK$13.38M · loan HK$13.38M · min. income ≈ HK$143,140/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,137,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,243
−HK$4,593/mo
▼ 0.25% · 3.875%
HK$75,521
−HK$2,315/mo
Today · 4.125%
HK$77,836
baseline
▲ 0.50% · 4.625%
HK$82,572
+HK$4,736/mo
Deposit HK$10.71M · loan HK$16.06M · min. income ≈ HK$155,672/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,137,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,482
−HK$4,402/mo
▼ 0.25% · 3.875%
HK$83,667
−HK$2,217/mo
Today · 4.125%
HK$85,884
baseline
▲ 0.50% · 4.625%
HK$90,411
+HK$4,527/mo
Deposit HK$10.71M · loan HK$16.06M · min. income ≈ HK$171,768/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,137,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,450
−HK$5,358/mo
▼ 0.25% · 3.875%
HK$88,108
−HK$2,700/mo
Today · 4.125%
HK$90,808
baseline
▲ 0.50% · 4.625%
HK$96,334
+HK$5,526/mo
Deposit HK$8.03M · loan HK$18.74M · min. income ≈ HK$181,616/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,137,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,062
−HK$5,136/mo
▼ 0.25% · 3.875%
HK$97,611
−HK$2,587/mo
Today · 4.125%
HK$100,198
baseline
▲ 0.50% · 4.625%
HK$105,479
+HK$5,281/mo
Deposit HK$8.03M · loan HK$18.74M · min. income ≈ HK$200,396/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,137,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,864
−HK$6,889/mo
▼ 0.25% · 3.875%
HK$113,281
−HK$3,472/mo
Today · 4.125%
HK$116,753
baseline
▲ 0.50% · 4.625%
HK$123,858
+HK$7,105/mo
Deposit HK$2.68M · loan HK$24.09M · min. income ≈ HK$233,506/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,137,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,223
−HK$6,603/mo
▼ 0.25% · 3.875%
HK$125,500
−HK$3,326/mo
Today · 4.125%
HK$128,826
baseline
▲ 0.50% · 4.625%
HK$135,616
+HK$6,790/mo
Deposit HK$2.68M · loan HK$24.09M · min. income ≈ HK$257,652/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,137,596 · Scale 2, in force from 26 Feb 2026)