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$60,692
−HK$3,806/mo
▼ 0.25% · 3.875%
HK$62,580
−HK$1,918/mo
Today · 4.125%
HK$64,498
baseline
▲ 0.50% · 4.625%
HK$68,423
+HK$3,925/mo
Deposit HK$13.31M · loan HK$13.31M · min. income ≈ HK$128,996/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,131,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,519
−HK$3,648/mo
▼ 0.25% · 3.875%
HK$69,330
−HK$1,837/mo
Today · 4.125%
HK$71,167
baseline
▲ 0.50% · 4.625%
HK$74,919
+HK$3,752/mo
Deposit HK$13.31M · loan HK$13.31M · min. income ≈ HK$142,334/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,131,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,831
−HK$4,567/mo
▼ 0.25% · 3.875%
HK$75,096
−HK$2,302/mo
Today · 4.125%
HK$77,398
baseline
▲ 0.50% · 4.625%
HK$82,107
+HK$4,709/mo
Deposit HK$10.65M · loan HK$15.97M · min. income ≈ HK$154,796/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,131,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,023
−HK$4,378/mo
▼ 0.25% · 3.875%
HK$83,196
−HK$2,205/mo
Today · 4.125%
HK$85,401
baseline
▲ 0.50% · 4.625%
HK$89,902
+HK$4,501/mo
Deposit HK$10.65M · loan HK$15.97M · min. income ≈ HK$170,802/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,131,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,969
−HK$5,328/mo
▼ 0.25% · 3.875%
HK$87,612
−HK$2,685/mo
Today · 4.125%
HK$90,297
baseline
▲ 0.50% · 4.625%
HK$95,792
+HK$5,495/mo
Deposit HK$7.98M · loan HK$18.63M · min. income ≈ HK$180,594/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,131,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,527
−HK$5,107/mo
▼ 0.25% · 3.875%
HK$97,062
−HK$2,572/mo
Today · 4.125%
HK$99,634
baseline
▲ 0.50% · 4.625%
HK$104,886
+HK$5,252/mo
Deposit HK$7.98M · loan HK$18.63M · min. income ≈ HK$199,268/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,131,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,246
−HK$6,851/mo
▼ 0.25% · 3.875%
HK$112,644
−HK$3,453/mo
Today · 4.125%
HK$116,097
baseline
▲ 0.50% · 4.625%
HK$123,161
+HK$7,064/mo
Deposit HK$2.66M · loan HK$23.95M · min. income ≈ HK$232,194/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,131,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,535
−HK$6,566/mo
▼ 0.25% · 3.875%
HK$124,794
−HK$3,307/mo
Today · 4.125%
HK$128,101
baseline
▲ 0.50% · 4.625%
HK$134,853
+HK$6,752/mo
Deposit HK$2.66M · loan HK$23.95M · min. income ≈ HK$256,202/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,131,196 · Scale 2, in force from 26 Feb 2026)