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$61,047
−HK$3,828/mo
▼ 0.25% · 3.875%
HK$62,946
−HK$1,929/mo
Today · 4.125%
HK$64,875
baseline
▲ 0.50% · 4.625%
HK$68,823
+HK$3,948/mo
Deposit HK$13.39M · loan HK$13.39M · min. income ≈ HK$129,750/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,137,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,914
−HK$3,670/mo
▼ 0.25% · 3.875%
HK$69,736
−HK$1,848/mo
Today · 4.125%
HK$71,584
baseline
▲ 0.50% · 4.625%
HK$75,357
+HK$3,773/mo
Deposit HK$13.39M · loan HK$13.39M · min. income ≈ HK$143,168/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,137,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,257
−HK$4,593/mo
▼ 0.25% · 3.875%
HK$75,535
−HK$2,315/mo
Today · 4.125%
HK$77,850
baseline
▲ 0.50% · 4.625%
HK$82,587
+HK$4,737/mo
Deposit HK$10.71M · loan HK$16.06M · min. income ≈ HK$155,700/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,137,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,497
−HK$4,403/mo
▼ 0.25% · 3.875%
HK$83,683
−HK$2,217/mo
Today · 4.125%
HK$85,900
baseline
▲ 0.50% · 4.625%
HK$90,428
+HK$4,528/mo
Deposit HK$10.71M · loan HK$16.06M · min. income ≈ HK$171,800/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,137,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,466
−HK$5,359/mo
▼ 0.25% · 3.875%
HK$88,124
−HK$2,701/mo
Today · 4.125%
HK$90,825
baseline
▲ 0.50% · 4.625%
HK$96,352
+HK$5,527/mo
Deposit HK$8.03M · loan HK$18.74M · min. income ≈ HK$181,650/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,137,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,080
−HK$5,137/mo
▼ 0.25% · 3.875%
HK$97,630
−HK$2,587/mo
Today · 4.125%
HK$100,217
baseline
▲ 0.50% · 4.625%
HK$105,499
+HK$5,282/mo
Deposit HK$8.03M · loan HK$18.74M · min. income ≈ HK$200,434/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,137,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,885
−HK$6,891/mo
▼ 0.25% · 3.875%
HK$113,303
−HK$3,473/mo
Today · 4.125%
HK$116,776
baseline
▲ 0.50% · 4.625%
HK$123,881
+HK$7,105/mo
Deposit HK$2.68M · loan HK$24.09M · min. income ≈ HK$233,552/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,137,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,246
−HK$6,604/mo
▼ 0.25% · 3.875%
HK$125,524
−HK$3,326/mo
Today · 4.125%
HK$128,850
baseline
▲ 0.50% · 4.625%
HK$135,642
+HK$6,792/mo
Deposit HK$2.68M · loan HK$24.09M · min. income ≈ HK$257,700/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,137,812 · Scale 2, in force from 26 Feb 2026)