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$61,140
−HK$3,834/mo
▼ 0.25% · 3.875%
HK$63,042
−HK$1,932/mo
Today · 4.125%
HK$64,974
baseline
▲ 0.50% · 4.625%
HK$68,928
+HK$3,954/mo
Deposit HK$13.41M · loan HK$13.41M · min. income ≈ HK$129,948/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,139,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,018
−HK$3,675/mo
▼ 0.25% · 3.875%
HK$69,842
−HK$1,851/mo
Today · 4.125%
HK$71,693
baseline
▲ 0.50% · 4.625%
HK$75,472
+HK$3,779/mo
Deposit HK$13.41M · loan HK$13.41M · min. income ≈ HK$143,386/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,139,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,368
−HK$4,601/mo
▼ 0.25% · 3.875%
HK$75,650
−HK$2,319/mo
Today · 4.125%
HK$77,969
baseline
▲ 0.50% · 4.625%
HK$82,713
+HK$4,744/mo
Deposit HK$10.73M · loan HK$16.09M · min. income ≈ HK$155,938/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,139,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,621
−HK$4,410/mo
▼ 0.25% · 3.875%
HK$83,810
−HK$2,221/mo
Today · 4.125%
HK$86,031
baseline
▲ 0.50% · 4.625%
HK$90,566
+HK$4,535/mo
Deposit HK$10.73M · loan HK$16.09M · min. income ≈ HK$172,062/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,139,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,596
−HK$5,368/mo
▼ 0.25% · 3.875%
HK$88,259
−HK$2,705/mo
Today · 4.125%
HK$90,964
baseline
▲ 0.50% · 4.625%
HK$96,499
+HK$5,535/mo
Deposit HK$8.04M · loan HK$18.77M · min. income ≈ HK$181,928/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,139,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,225
−HK$5,145/mo
▼ 0.25% · 3.875%
HK$97,779
−HK$2,591/mo
Today · 4.125%
HK$100,370
baseline
▲ 0.50% · 4.625%
HK$105,660
+HK$5,290/mo
Deposit HK$8.04M · loan HK$18.77M · min. income ≈ HK$200,740/mo (50% DSR)
Upfront cash ≈ HK$9.18M (deposit + AVD stamp duty HK$1,139,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,052
−HK$6,901/mo
▼ 0.25% · 3.875%
HK$113,475
−HK$3,478/mo
Today · 4.125%
HK$116,953
baseline
▲ 0.50% · 4.625%
HK$124,070
+HK$7,117/mo
Deposit HK$2.68M · loan HK$24.13M · min. income ≈ HK$233,906/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,139,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,432
−HK$6,615/mo
▼ 0.25% · 3.875%
HK$125,716
−HK$3,331/mo
Today · 4.125%
HK$129,047
baseline
▲ 0.50% · 4.625%
HK$135,849
+HK$6,802/mo
Deposit HK$2.68M · loan HK$24.13M · min. income ≈ HK$258,094/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$1,139,546 · Scale 2, in force from 26 Feb 2026)