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$61,009
−HK$3,826/mo
▼ 0.25% · 3.875%
HK$62,907
−HK$1,928/mo
Today · 4.125%
HK$64,835
baseline
▲ 0.50% · 4.625%
HK$68,780
+HK$3,945/mo
Deposit HK$13.38M · loan HK$13.38M · min. income ≈ HK$129,670/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,137,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,872
−HK$3,667/mo
▼ 0.25% · 3.875%
HK$69,692
−HK$1,847/mo
Today · 4.125%
HK$71,539
baseline
▲ 0.50% · 4.625%
HK$75,309
+HK$3,770/mo
Deposit HK$13.38M · loan HK$13.38M · min. income ≈ HK$143,078/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,137,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,211
−HK$4,590/mo
▼ 0.25% · 3.875%
HK$75,488
−HK$2,313/mo
Today · 4.125%
HK$77,801
baseline
▲ 0.50% · 4.625%
HK$82,536
+HK$4,735/mo
Deposit HK$10.70M · loan HK$16.05M · min. income ≈ HK$155,602/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,137,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,446
−HK$4,400/mo
▼ 0.25% · 3.875%
HK$83,630
−HK$2,216/mo
Today · 4.125%
HK$85,846
baseline
▲ 0.50% · 4.625%
HK$90,371
+HK$4,525/mo
Deposit HK$10.70M · loan HK$16.05M · min. income ≈ HK$171,692/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,137,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,412
−HK$5,356/mo
▼ 0.25% · 3.875%
HK$88,069
−HK$2,699/mo
Today · 4.125%
HK$90,768
baseline
▲ 0.50% · 4.625%
HK$96,291
+HK$5,523/mo
Deposit HK$8.03M · loan HK$18.73M · min. income ≈ HK$181,536/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,137,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,020
−HK$5,134/mo
▼ 0.25% · 3.875%
HK$97,569
−HK$2,585/mo
Today · 4.125%
HK$100,154
baseline
▲ 0.50% · 4.625%
HK$105,433
+HK$5,279/mo
Deposit HK$8.03M · loan HK$18.73M · min. income ≈ HK$200,308/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,137,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,816
−HK$6,886/mo
▼ 0.25% · 3.875%
HK$113,232
−HK$3,470/mo
Today · 4.125%
HK$116,702
baseline
▲ 0.50% · 4.625%
HK$123,803
+HK$7,101/mo
Deposit HK$2.68M · loan HK$24.08M · min. income ≈ HK$233,404/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,137,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,169
−HK$6,600/mo
▼ 0.25% · 3.875%
HK$125,446
−HK$3,323/mo
Today · 4.125%
HK$128,769
baseline
▲ 0.50% · 4.625%
HK$135,557
+HK$6,788/mo
Deposit HK$2.68M · loan HK$24.08M · min. income ≈ HK$257,538/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,137,098 · Scale 2, in force from 26 Feb 2026)