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$61,090
−HK$3,831/mo
▼ 0.25% · 3.875%
HK$62,991
−HK$1,930/mo
Today · 4.125%
HK$64,921
baseline
▲ 0.50% · 4.625%
HK$68,872
+HK$3,951/mo
Deposit HK$13.40M · loan HK$13.40M · min. income ≈ HK$129,842/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,138,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,962
−HK$3,672/mo
▼ 0.25% · 3.875%
HK$69,785
−HK$1,849/mo
Today · 4.125%
HK$71,634
baseline
▲ 0.50% · 4.625%
HK$75,410
+HK$3,776/mo
Deposit HK$13.40M · loan HK$13.40M · min. income ≈ HK$143,268/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,138,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,309
−HK$4,597/mo
▼ 0.25% · 3.875%
HK$75,589
−HK$2,317/mo
Today · 4.125%
HK$77,906
baseline
▲ 0.50% · 4.625%
HK$82,646
+HK$4,740/mo
Deposit HK$10.72M · loan HK$16.07M · min. income ≈ HK$155,812/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,138,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,555
−HK$4,406/mo
▼ 0.25% · 3.875%
HK$83,742
−HK$2,219/mo
Today · 4.125%
HK$85,961
baseline
▲ 0.50% · 4.625%
HK$90,492
+HK$4,531/mo
Deposit HK$10.72M · loan HK$16.07M · min. income ≈ HK$171,922/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,138,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,527
−HK$5,363/mo
▼ 0.25% · 3.875%
HK$88,187
−HK$2,703/mo
Today · 4.125%
HK$90,890
baseline
▲ 0.50% · 4.625%
HK$96,420
+HK$5,530/mo
Deposit HK$8.04M · loan HK$18.75M · min. income ≈ HK$181,780/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,138,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,147
−HK$5,141/mo
▼ 0.25% · 3.875%
HK$97,699
−HK$2,589/mo
Today · 4.125%
HK$100,288
baseline
▲ 0.50% · 4.625%
HK$105,574
+HK$5,286/mo
Deposit HK$8.04M · loan HK$18.75M · min. income ≈ HK$200,576/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,138,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,963
−HK$6,895/mo
▼ 0.25% · 3.875%
HK$113,383
−HK$3,475/mo
Today · 4.125%
HK$116,858
baseline
▲ 0.50% · 4.625%
HK$123,969
+HK$7,111/mo
Deposit HK$2.68M · loan HK$24.11M · min. income ≈ HK$233,716/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,332
−HK$6,610/mo
▼ 0.25% · 3.875%
HK$125,613
−HK$3,329/mo
Today · 4.125%
HK$128,942
baseline
▲ 0.50% · 4.625%
HK$135,738
+HK$6,796/mo
Deposit HK$2.68M · loan HK$24.11M · min. income ≈ HK$257,884/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,138,619 · Scale 2, in force from 26 Feb 2026)