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$61,184
−HK$3,837/mo
▼ 0.25% · 3.875%
HK$63,087
−HK$1,934/mo
Today · 4.125%
HK$65,021
baseline
▲ 0.50% · 4.625%
HK$68,977
+HK$3,956/mo
Deposit HK$13.42M · loan HK$13.42M · min. income ≈ HK$130,042/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,140,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,067
−HK$3,677/mo
▼ 0.25% · 3.875%
HK$69,892
−HK$1,852/mo
Today · 4.125%
HK$71,744
baseline
▲ 0.50% · 4.625%
HK$75,526
+HK$3,782/mo
Deposit HK$13.42M · loan HK$13.42M · min. income ≈ HK$143,488/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,140,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,421
−HK$4,604/mo
▼ 0.25% · 3.875%
HK$75,705
−HK$2,320/mo
Today · 4.125%
HK$78,025
baseline
▲ 0.50% · 4.625%
HK$82,773
+HK$4,748/mo
Deposit HK$10.73M · loan HK$16.10M · min. income ≈ HK$156,050/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,140,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,680
−HK$4,413/mo
▼ 0.25% · 3.875%
HK$83,871
−HK$2,222/mo
Today · 4.125%
HK$86,093
baseline
▲ 0.50% · 4.625%
HK$90,631
+HK$4,538/mo
Deposit HK$10.73M · loan HK$16.10M · min. income ≈ HK$172,186/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,140,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,658
−HK$5,371/mo
▼ 0.25% · 3.875%
HK$88,322
−HK$2,707/mo
Today · 4.125%
HK$91,029
baseline
▲ 0.50% · 4.625%
HK$96,568
+HK$5,539/mo
Deposit HK$8.05M · loan HK$18.78M · min. income ≈ HK$182,058/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,294
−HK$5,148/mo
▼ 0.25% · 3.875%
HK$97,849
−HK$2,593/mo
Today · 4.125%
HK$100,442
baseline
▲ 0.50% · 4.625%
HK$105,736
+HK$5,294/mo
Deposit HK$8.05M · loan HK$18.78M · min. income ≈ HK$200,884/mo (50% DSR)
Upfront cash ≈ HK$9.19M (deposit + AVD stamp duty HK$1,140,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,132
−HK$6,906/mo
▼ 0.25% · 3.875%
HK$113,557
−HK$3,481/mo
Today · 4.125%
HK$117,038
baseline
▲ 0.50% · 4.625%
HK$124,159
+HK$7,121/mo
Deposit HK$2.68M · loan HK$24.15M · min. income ≈ HK$234,076/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,140,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,520
−HK$6,620/mo
▼ 0.25% · 3.875%
HK$125,806
−HK$3,334/mo
Today · 4.125%
HK$129,140
baseline
▲ 0.50% · 4.625%
HK$135,947
+HK$6,807/mo
Deposit HK$2.68M · loan HK$24.15M · min. income ≈ HK$258,280/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,140,368 · Scale 2, in force from 26 Feb 2026)