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$61,254
−HK$3,841/mo
▼ 0.25% · 3.875%
HK$63,159
−HK$1,936/mo
Today · 4.125%
HK$65,095
baseline
▲ 0.50% · 4.625%
HK$69,056
+HK$3,961/mo
Deposit HK$13.43M · loan HK$13.43M · min. income ≈ HK$130,190/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,141,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,144
−HK$3,682/mo
▼ 0.25% · 3.875%
HK$69,972
−HK$1,854/mo
Today · 4.125%
HK$71,826
baseline
▲ 0.50% · 4.625%
HK$75,612
+HK$3,786/mo
Deposit HK$13.43M · loan HK$13.43M · min. income ≈ HK$143,652/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,141,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,504
−HK$4,610/mo
▼ 0.25% · 3.875%
HK$75,791
−HK$2,323/mo
Today · 4.125%
HK$78,114
baseline
▲ 0.50% · 4.625%
HK$82,867
+HK$4,753/mo
Deposit HK$10.75M · loan HK$16.12M · min. income ≈ HK$156,228/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,141,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,773
−HK$4,418/mo
▼ 0.25% · 3.875%
HK$83,966
−HK$2,225/mo
Today · 4.125%
HK$86,191
baseline
▲ 0.50% · 4.625%
HK$90,734
+HK$4,543/mo
Deposit HK$10.75M · loan HK$16.12M · min. income ≈ HK$172,382/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,141,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,755
−HK$5,378/mo
▼ 0.25% · 3.875%
HK$88,423
−HK$2,710/mo
Today · 4.125%
HK$91,133
baseline
▲ 0.50% · 4.625%
HK$96,678
+HK$5,545/mo
Deposit HK$8.06M · loan HK$18.80M · min. income ≈ HK$182,266/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,141,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,402
−HK$5,154/mo
▼ 0.25% · 3.875%
HK$97,960
−HK$2,596/mo
Today · 4.125%
HK$100,556
baseline
▲ 0.50% · 4.625%
HK$105,856
+HK$5,300/mo
Deposit HK$8.06M · loan HK$18.80M · min. income ≈ HK$201,112/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,141,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,257
−HK$6,914/mo
▼ 0.25% · 3.875%
HK$113,686
−HK$3,485/mo
Today · 4.125%
HK$117,171
baseline
▲ 0.50% · 4.625%
HK$124,300
+HK$7,129/mo
Deposit HK$2.69M · loan HK$24.18M · min. income ≈ HK$234,342/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,141,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,659
−HK$6,627/mo
▼ 0.25% · 3.875%
HK$125,949
−HK$3,337/mo
Today · 4.125%
HK$129,286
baseline
▲ 0.50% · 4.625%
HK$136,101
+HK$6,815/mo
Deposit HK$2.69M · loan HK$24.18M · min. income ≈ HK$258,572/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,141,662 · Scale 2, in force from 26 Feb 2026)