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$61,128
−HK$3,834/mo
▼ 0.25% · 3.875%
HK$63,030
−HK$1,932/mo
Today · 4.125%
HK$64,962
baseline
▲ 0.50% · 4.625%
HK$68,915
+HK$3,953/mo
Deposit HK$13.40M · loan HK$13.40M · min. income ≈ HK$129,924/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,139,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,005
−HK$3,674/mo
▼ 0.25% · 3.875%
HK$69,829
−HK$1,850/mo
Today · 4.125%
HK$71,679
baseline
▲ 0.50% · 4.625%
HK$75,457
+HK$3,778/mo
Deposit HK$13.40M · loan HK$13.40M · min. income ≈ HK$143,358/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,139,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,354
−HK$4,600/mo
▼ 0.25% · 3.875%
HK$75,636
−HK$2,318/mo
Today · 4.125%
HK$77,954
baseline
▲ 0.50% · 4.625%
HK$82,697
+HK$4,743/mo
Deposit HK$10.72M · loan HK$16.08M · min. income ≈ HK$155,908/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,139,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,606
−HK$4,409/mo
▼ 0.25% · 3.875%
HK$83,794
−HK$2,221/mo
Today · 4.125%
HK$86,015
baseline
▲ 0.50% · 4.625%
HK$90,549
+HK$4,534/mo
Deposit HK$10.72M · loan HK$16.08M · min. income ≈ HK$172,030/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,139,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,580
−HK$5,366/mo
▼ 0.25% · 3.875%
HK$88,242
−HK$2,704/mo
Today · 4.125%
HK$90,946
baseline
▲ 0.50% · 4.625%
HK$96,480
+HK$5,534/mo
Deposit HK$8.04M · loan HK$18.77M · min. income ≈ HK$181,892/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,139,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,207
−HK$5,143/mo
▼ 0.25% · 3.875%
HK$97,760
−HK$2,590/mo
Today · 4.125%
HK$100,350
baseline
▲ 0.50% · 4.625%
HK$105,640
+HK$5,290/mo
Deposit HK$8.04M · loan HK$18.77M · min. income ≈ HK$200,700/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,139,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,031
−HK$6,900/mo
▼ 0.25% · 3.875%
HK$113,454
−HK$3,477/mo
Today · 4.125%
HK$116,931
baseline
▲ 0.50% · 4.625%
HK$124,046
+HK$7,115/mo
Deposit HK$2.68M · loan HK$24.13M · min. income ≈ HK$233,862/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,139,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,409
−HK$6,613/mo
▼ 0.25% · 3.875%
HK$125,692
−HK$3,330/mo
Today · 4.125%
HK$129,022
baseline
▲ 0.50% · 4.625%
HK$135,823
+HK$6,801/mo
Deposit HK$2.68M · loan HK$24.13M · min. income ≈ HK$258,044/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,139,328 · Scale 2, in force from 26 Feb 2026)