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$61,004
−HK$3,826/mo
▼ 0.25% · 3.875%
HK$62,902
−HK$1,928/mo
Today · 4.125%
HK$64,830
baseline
▲ 0.50% · 4.625%
HK$68,774
+HK$3,944/mo
Deposit HK$13.38M · loan HK$13.38M · min. income ≈ HK$129,660/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,137,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,867
−HK$3,666/mo
▼ 0.25% · 3.875%
HK$69,687
−HK$1,846/mo
Today · 4.125%
HK$71,533
baseline
▲ 0.50% · 4.625%
HK$75,304
+HK$3,771/mo
Deposit HK$13.38M · loan HK$13.38M · min. income ≈ HK$143,066/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,137,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,205
−HK$4,591/mo
▼ 0.25% · 3.875%
HK$75,482
−HK$2,314/mo
Today · 4.125%
HK$77,796
baseline
▲ 0.50% · 4.625%
HK$82,529
+HK$4,733/mo
Deposit HK$10.70M · loan HK$16.05M · min. income ≈ HK$155,592/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,137,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,440
−HK$4,400/mo
▼ 0.25% · 3.875%
HK$83,624
−HK$2,216/mo
Today · 4.125%
HK$85,840
baseline
▲ 0.50% · 4.625%
HK$90,365
+HK$4,525/mo
Deposit HK$10.70M · loan HK$16.05M · min. income ≈ HK$171,680/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,137,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,406
−HK$5,356/mo
▼ 0.25% · 3.875%
HK$88,062
−HK$2,700/mo
Today · 4.125%
HK$90,762
baseline
▲ 0.50% · 4.625%
HK$96,284
+HK$5,522/mo
Deposit HK$8.03M · loan HK$18.73M · min. income ≈ HK$181,524/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,137,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,013
−HK$5,133/mo
▼ 0.25% · 3.875%
HK$97,561
−HK$2,585/mo
Today · 4.125%
HK$100,146
baseline
▲ 0.50% · 4.625%
HK$105,425
+HK$5,279/mo
Deposit HK$8.03M · loan HK$18.73M · min. income ≈ HK$200,292/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,137,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,808
−HK$6,885/mo
▼ 0.25% · 3.875%
HK$113,223
−HK$3,470/mo
Today · 4.125%
HK$116,693
baseline
▲ 0.50% · 4.625%
HK$123,794
+HK$7,101/mo
Deposit HK$2.68M · loan HK$24.08M · min. income ≈ HK$233,386/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,137,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,160
−HK$6,600/mo
▼ 0.25% · 3.875%
HK$125,436
−HK$3,324/mo
Today · 4.125%
HK$128,760
baseline
▲ 0.50% · 4.625%
HK$135,547
+HK$6,787/mo
Deposit HK$2.68M · loan HK$24.08M · min. income ≈ HK$257,520/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,137,012 · Scale 2, in force from 26 Feb 2026)