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$61,039
−HK$3,828/mo
▼ 0.25% · 3.875%
HK$62,938
−HK$1,929/mo
Today · 4.125%
HK$64,867
baseline
▲ 0.50% · 4.625%
HK$68,814
+HK$3,947/mo
Deposit HK$13.38M · loan HK$13.38M · min. income ≈ HK$129,734/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,137,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,905
−HK$3,669/mo
▼ 0.25% · 3.875%
HK$69,727
−HK$1,847/mo
Today · 4.125%
HK$71,574
baseline
▲ 0.50% · 4.625%
HK$75,347
+HK$3,773/mo
Deposit HK$13.38M · loan HK$13.38M · min. income ≈ HK$143,148/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,137,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,247
−HK$4,593/mo
▼ 0.25% · 3.875%
HK$75,525
−HK$2,315/mo
Today · 4.125%
HK$77,840
baseline
▲ 0.50% · 4.625%
HK$82,577
+HK$4,737/mo
Deposit HK$10.71M · loan HK$16.06M · min. income ≈ HK$155,680/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,137,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,487
−HK$4,402/mo
▼ 0.25% · 3.875%
HK$83,672
−HK$2,217/mo
Today · 4.125%
HK$85,889
baseline
▲ 0.50% · 4.625%
HK$90,416
+HK$4,527/mo
Deposit HK$10.71M · loan HK$16.06M · min. income ≈ HK$171,778/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,137,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,455
−HK$5,359/mo
▼ 0.25% · 3.875%
HK$88,113
−HK$2,701/mo
Today · 4.125%
HK$90,814
baseline
▲ 0.50% · 4.625%
HK$96,339
+HK$5,525/mo
Deposit HK$8.03M · loan HK$18.74M · min. income ≈ HK$181,628/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,137,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,068
−HK$5,136/mo
▼ 0.25% · 3.875%
HK$97,617
−HK$2,587/mo
Today · 4.125%
HK$100,204
baseline
▲ 0.50% · 4.625%
HK$105,486
+HK$5,282/mo
Deposit HK$8.03M · loan HK$18.74M · min. income ≈ HK$200,408/mo (50% DSR)
Upfront cash ≈ HK$9.17M (deposit + AVD stamp duty HK$1,137,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,870
−HK$6,890/mo
▼ 0.25% · 3.875%
HK$113,288
−HK$3,472/mo
Today · 4.125%
HK$116,760
baseline
▲ 0.50% · 4.625%
HK$123,865
+HK$7,105/mo
Deposit HK$2.68M · loan HK$24.09M · min. income ≈ HK$233,520/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,137,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,230
−HK$6,603/mo
▼ 0.25% · 3.875%
HK$125,508
−HK$3,325/mo
Today · 4.125%
HK$128,833
baseline
▲ 0.50% · 4.625%
HK$135,624
+HK$6,791/mo
Deposit HK$2.68M · loan HK$24.09M · min. income ≈ HK$257,666/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,137,664 · Scale 2, in force from 26 Feb 2026)