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$61,080
−HK$3,830/mo
▼ 0.25% · 3.875%
HK$62,980
−HK$1,930/mo
Today · 4.125%
HK$64,910
baseline
▲ 0.50% · 4.625%
HK$68,860
+HK$3,950/mo
Deposit HK$13.39M · loan HK$13.39M · min. income ≈ HK$129,820/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,138,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,951
−HK$3,671/mo
▼ 0.25% · 3.875%
HK$69,773
−HK$1,849/mo
Today · 4.125%
HK$71,622
baseline
▲ 0.50% · 4.625%
HK$75,397
+HK$3,775/mo
Deposit HK$13.39M · loan HK$13.39M · min. income ≈ HK$143,244/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,138,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,296
−HK$4,596/mo
▼ 0.25% · 3.875%
HK$75,576
−HK$2,316/mo
Today · 4.125%
HK$77,892
baseline
▲ 0.50% · 4.625%
HK$82,632
+HK$4,740/mo
Deposit HK$10.71M · loan HK$16.07M · min. income ≈ HK$155,784/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,138,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,541
−HK$4,405/mo
▼ 0.25% · 3.875%
HK$83,728
−HK$2,218/mo
Today · 4.125%
HK$85,946
baseline
▲ 0.50% · 4.625%
HK$90,476
+HK$4,530/mo
Deposit HK$10.71M · loan HK$16.07M · min. income ≈ HK$171,892/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,138,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,512
−HK$5,362/mo
▼ 0.25% · 3.875%
HK$88,172
−HK$2,702/mo
Today · 4.125%
HK$90,874
baseline
▲ 0.50% · 4.625%
HK$96,403
+HK$5,529/mo
Deposit HK$8.04M · loan HK$18.75M · min. income ≈ HK$181,748/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,138,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,131
−HK$5,140/mo
▼ 0.25% · 3.875%
HK$97,682
−HK$2,589/mo
Today · 4.125%
HK$100,271
baseline
▲ 0.50% · 4.625%
HK$105,556
+HK$5,285/mo
Deposit HK$8.04M · loan HK$18.75M · min. income ≈ HK$200,542/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,138,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,944
−HK$6,894/mo
▼ 0.25% · 3.875%
HK$113,363
−HK$3,475/mo
Today · 4.125%
HK$116,838
baseline
▲ 0.50% · 4.625%
HK$123,947
+HK$7,109/mo
Deposit HK$2.68M · loan HK$24.11M · min. income ≈ HK$233,676/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,311
−HK$6,608/mo
▼ 0.25% · 3.875%
HK$125,591
−HK$3,328/mo
Today · 4.125%
HK$128,919
baseline
▲ 0.50% · 4.625%
HK$135,715
+HK$6,796/mo
Deposit HK$2.68M · loan HK$24.11M · min. income ≈ HK$257,838/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,421 · Scale 2, in force from 26 Feb 2026)