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$60,754
−HK$3,810/mo
▼ 0.25% · 3.875%
HK$62,644
−HK$1,920/mo
Today · 4.125%
HK$64,564
baseline
▲ 0.50% · 4.625%
HK$68,493
+HK$3,929/mo
Deposit HK$13.32M · loan HK$13.32M · min. income ≈ HK$129,128/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,132,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,589
−HK$3,651/mo
▼ 0.25% · 3.875%
HK$69,401
−HK$1,839/mo
Today · 4.125%
HK$71,240
baseline
▲ 0.50% · 4.625%
HK$74,996
+HK$3,756/mo
Deposit HK$13.32M · loan HK$13.32M · min. income ≈ HK$142,480/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,132,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,905
−HK$4,572/mo
▼ 0.25% · 3.875%
HK$75,173
−HK$2,304/mo
Today · 4.125%
HK$77,477
baseline
▲ 0.50% · 4.625%
HK$82,191
+HK$4,714/mo
Deposit HK$10.66M · loan HK$15.99M · min. income ≈ HK$154,954/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,132,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,106
−HK$4,382/mo
▼ 0.25% · 3.875%
HK$83,282
−HK$2,206/mo
Today · 4.125%
HK$85,488
baseline
▲ 0.50% · 4.625%
HK$89,995
+HK$4,507/mo
Deposit HK$10.66M · loan HK$15.99M · min. income ≈ HK$170,976/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,132,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,056
−HK$5,334/mo
▼ 0.25% · 3.875%
HK$87,702
−HK$2,688/mo
Today · 4.125%
HK$90,390
baseline
▲ 0.50% · 4.625%
HK$95,890
+HK$5,500/mo
Deposit HK$7.99M · loan HK$18.65M · min. income ≈ HK$180,780/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$1,132,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,624
−HK$5,112/mo
▼ 0.25% · 3.875%
HK$97,162
−HK$2,574/mo
Today · 4.125%
HK$99,736
baseline
▲ 0.50% · 4.625%
HK$104,994
+HK$5,258/mo
Deposit HK$7.99M · loan HK$18.65M · min. income ≈ HK$199,472/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$1,132,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,358
−HK$6,858/mo
▼ 0.25% · 3.875%
HK$112,760
−HK$3,456/mo
Today · 4.125%
HK$116,216
baseline
▲ 0.50% · 4.625%
HK$123,287
+HK$7,071/mo
Deposit HK$2.66M · loan HK$23.98M · min. income ≈ HK$232,432/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,132,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,660
−HK$6,573/mo
▼ 0.25% · 3.875%
HK$124,923
−HK$3,310/mo
Today · 4.125%
HK$128,233
baseline
▲ 0.50% · 4.625%
HK$134,992
+HK$6,759/mo
Deposit HK$2.66M · loan HK$23.98M · min. income ≈ HK$256,466/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,132,357 · Scale 2, in force from 26 Feb 2026)