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$60,682
−HK$3,805/mo
▼ 0.25% · 3.875%
HK$62,570
−HK$1,917/mo
Today · 4.125%
HK$64,487
baseline
▲ 0.50% · 4.625%
HK$68,411
+HK$3,924/mo
Deposit HK$13.31M · loan HK$13.31M · min. income ≈ HK$128,974/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,131,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,508
−HK$3,648/mo
▼ 0.25% · 3.875%
HK$69,319
−HK$1,837/mo
Today · 4.125%
HK$71,156
baseline
▲ 0.50% · 4.625%
HK$74,906
+HK$3,750/mo
Deposit HK$13.31M · loan HK$13.31M · min. income ≈ HK$142,312/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,131,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,819
−HK$4,566/mo
▼ 0.25% · 3.875%
HK$75,084
−HK$2,301/mo
Today · 4.125%
HK$77,385
baseline
▲ 0.50% · 4.625%
HK$82,094
+HK$4,709/mo
Deposit HK$10.64M · loan HK$15.97M · min. income ≈ HK$154,770/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,131,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,010
−HK$4,377/mo
▼ 0.25% · 3.875%
HK$83,183
−HK$2,204/mo
Today · 4.125%
HK$85,387
baseline
▲ 0.50% · 4.625%
HK$89,888
+HK$4,501/mo
Deposit HK$10.64M · loan HK$15.97M · min. income ≈ HK$170,774/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,131,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,955
−HK$5,327/mo
▼ 0.25% · 3.875%
HK$87,598
−HK$2,684/mo
Today · 4.125%
HK$90,282
baseline
▲ 0.50% · 4.625%
HK$95,776
+HK$5,494/mo
Deposit HK$7.98M · loan HK$18.63M · min. income ≈ HK$180,564/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,131,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,512
−HK$5,106/mo
▼ 0.25% · 3.875%
HK$97,046
−HK$2,572/mo
Today · 4.125%
HK$99,618
baseline
▲ 0.50% · 4.625%
HK$104,869
+HK$5,251/mo
Deposit HK$7.98M · loan HK$18.63M · min. income ≈ HK$199,236/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,131,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,228
−HK$6,849/mo
▼ 0.25% · 3.875%
HK$112,626
−HK$3,451/mo
Today · 4.125%
HK$116,077
baseline
▲ 0.50% · 4.625%
HK$123,141
+HK$7,064/mo
Deposit HK$2.66M · loan HK$23.95M · min. income ≈ HK$232,154/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,131,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,515
−HK$6,565/mo
▼ 0.25% · 3.875%
HK$124,774
−HK$3,306/mo
Today · 4.125%
HK$128,080
baseline
▲ 0.50% · 4.625%
HK$134,831
+HK$6,751/mo
Deposit HK$2.66M · loan HK$23.95M · min. income ≈ HK$256,160/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,131,011 · Scale 2, in force from 26 Feb 2026)