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$61,152
−HK$3,835/mo
▼ 0.25% · 3.875%
HK$63,054
−HK$1,933/mo
Today · 4.125%
HK$64,987
baseline
▲ 0.50% · 4.625%
HK$68,941
+HK$3,954/mo
Deposit HK$13.41M · loan HK$13.41M · min. income ≈ HK$129,974/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,139,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,031
−HK$3,676/mo
▼ 0.25% · 3.875%
HK$69,856
−HK$1,851/mo
Today · 4.125%
HK$71,707
baseline
▲ 0.50% · 4.625%
HK$75,487
+HK$3,780/mo
Deposit HK$13.41M · loan HK$13.41M · min. income ≈ HK$143,414/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,139,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,383
−HK$4,601/mo
▼ 0.25% · 3.875%
HK$75,665
−HK$2,319/mo
Today · 4.125%
HK$77,984
baseline
▲ 0.50% · 4.625%
HK$82,730
+HK$4,746/mo
Deposit HK$10.73M · loan HK$16.09M · min. income ≈ HK$155,968/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,139,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,637
−HK$4,411/mo
▼ 0.25% · 3.875%
HK$83,827
−HK$2,221/mo
Today · 4.125%
HK$86,048
baseline
▲ 0.50% · 4.625%
HK$90,584
+HK$4,536/mo
Deposit HK$10.73M · loan HK$16.09M · min. income ≈ HK$172,096/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,139,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,613
−HK$5,369/mo
▼ 0.25% · 3.875%
HK$88,276
−HK$2,706/mo
Today · 4.125%
HK$90,982
baseline
▲ 0.50% · 4.625%
HK$96,518
+HK$5,536/mo
Deposit HK$8.05M · loan HK$18.77M · min. income ≈ HK$181,964/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,139,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,244
−HK$5,145/mo
▼ 0.25% · 3.875%
HK$97,798
−HK$2,591/mo
Today · 4.125%
HK$100,389
baseline
▲ 0.50% · 4.625%
HK$105,681
+HK$5,292/mo
Deposit HK$8.05M · loan HK$18.77M · min. income ≈ HK$200,778/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,139,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,074
−HK$6,903/mo
▼ 0.25% · 3.875%
HK$113,498
−HK$3,479/mo
Today · 4.125%
HK$116,977
baseline
▲ 0.50% · 4.625%
HK$124,094
+HK$7,117/mo
Deposit HK$2.68M · loan HK$24.14M · min. income ≈ HK$233,954/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,139,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,456
−HK$6,616/mo
▼ 0.25% · 3.875%
HK$125,740
−HK$3,332/mo
Today · 4.125%
HK$129,072
baseline
▲ 0.50% · 4.625%
HK$135,876
+HK$6,804/mo
Deposit HK$2.68M · loan HK$24.14M · min. income ≈ HK$258,144/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,139,771 · Scale 2, in force from 26 Feb 2026)