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$61,270
−HK$3,842/mo
▼ 0.25% · 3.875%
HK$63,175
−HK$1,937/mo
Today · 4.125%
HK$65,112
baseline
▲ 0.50% · 4.625%
HK$69,074
+HK$3,962/mo
Deposit HK$13.43M · loan HK$13.43M · min. income ≈ HK$130,224/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,141,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,162
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$69,990
−HK$1,854/mo
Today · 4.125%
HK$71,844
baseline
▲ 0.50% · 4.625%
HK$75,631
+HK$3,787/mo
Deposit HK$13.43M · loan HK$13.43M · min. income ≈ HK$143,688/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,141,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,524
−HK$4,610/mo
▼ 0.25% · 3.875%
HK$75,811
−HK$2,323/mo
Today · 4.125%
HK$78,134
baseline
▲ 0.50% · 4.625%
HK$82,888
+HK$4,754/mo
Deposit HK$10.75M · loan HK$16.12M · min. income ≈ HK$156,268/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,141,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,794
−HK$4,419/mo
▼ 0.25% · 3.875%
HK$83,988
−HK$2,225/mo
Today · 4.125%
HK$86,213
baseline
▲ 0.50% · 4.625%
HK$90,758
+HK$4,545/mo
Deposit HK$10.75M · loan HK$16.12M · min. income ≈ HK$172,426/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,141,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,777
−HK$5,379/mo
▼ 0.25% · 3.875%
HK$88,446
−HK$2,710/mo
Today · 4.125%
HK$91,156
baseline
▲ 0.50% · 4.625%
HK$96,703
+HK$5,547/mo
Deposit HK$8.06M · loan HK$18.81M · min. income ≈ HK$182,312/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,141,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,427
−HK$5,155/mo
▼ 0.25% · 3.875%
HK$97,986
−HK$2,596/mo
Today · 4.125%
HK$100,582
baseline
▲ 0.50% · 4.625%
HK$105,884
+HK$5,302/mo
Deposit HK$8.06M · loan HK$18.81M · min. income ≈ HK$201,164/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,141,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,285
−HK$6,916/mo
▼ 0.25% · 3.875%
HK$113,716
−HK$3,485/mo
Today · 4.125%
HK$117,201
baseline
▲ 0.50% · 4.625%
HK$124,333
+HK$7,132/mo
Deposit HK$2.69M · loan HK$24.18M · min. income ≈ HK$234,402/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,141,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,691
−HK$6,629/mo
▼ 0.25% · 3.875%
HK$125,982
−HK$3,338/mo
Today · 4.125%
HK$129,320
baseline
▲ 0.50% · 4.625%
HK$136,137
+HK$6,817/mo
Deposit HK$2.69M · loan HK$24.18M · min. income ≈ HK$258,640/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,141,959 · Scale 2, in force from 26 Feb 2026)