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$60,737
−HK$3,809/mo
▼ 0.25% · 3.875%
HK$62,626
−HK$1,920/mo
Today · 4.125%
HK$64,546
baseline
▲ 0.50% · 4.625%
HK$68,473
+HK$3,927/mo
Deposit HK$13.32M · loan HK$13.32M · min. income ≈ HK$129,092/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,132,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,569
−HK$3,651/mo
▼ 0.25% · 3.875%
HK$69,381
−HK$1,839/mo
Today · 4.125%
HK$71,220
baseline
▲ 0.50% · 4.625%
HK$74,974
+HK$3,754/mo
Deposit HK$13.32M · loan HK$13.32M · min. income ≈ HK$142,440/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,132,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,884
−HK$4,571/mo
▼ 0.25% · 3.875%
HK$75,151
−HK$2,304/mo
Today · 4.125%
HK$77,455
baseline
▲ 0.50% · 4.625%
HK$82,168
+HK$4,713/mo
Deposit HK$10.65M · loan HK$15.98M · min. income ≈ HK$154,910/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,132,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,083
−HK$4,381/mo
▼ 0.25% · 3.875%
HK$83,258
−HK$2,206/mo
Today · 4.125%
HK$85,464
baseline
▲ 0.50% · 4.625%
HK$89,969
+HK$4,505/mo
Deposit HK$10.65M · loan HK$15.98M · min. income ≈ HK$170,928/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,132,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,032
−HK$5,332/mo
▼ 0.25% · 3.875%
HK$87,677
−HK$2,687/mo
Today · 4.125%
HK$90,364
baseline
▲ 0.50% · 4.625%
HK$95,862
+HK$5,498/mo
Deposit HK$7.99M · loan HK$18.65M · min. income ≈ HK$180,728/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,132,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,597
−HK$5,111/mo
▼ 0.25% · 3.875%
HK$97,134
−HK$2,574/mo
Today · 4.125%
HK$99,708
baseline
▲ 0.50% · 4.625%
HK$104,963
+HK$5,255/mo
Deposit HK$7.99M · loan HK$18.65M · min. income ≈ HK$199,416/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,132,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,326
−HK$6,856/mo
▼ 0.25% · 3.875%
HK$112,727
−HK$3,455/mo
Today · 4.125%
HK$116,182
baseline
▲ 0.50% · 4.625%
HK$123,252
+HK$7,070/mo
Deposit HK$2.66M · loan HK$23.97M · min. income ≈ HK$232,364/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,132,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,625
−HK$6,571/mo
▼ 0.25% · 3.875%
HK$124,887
−HK$3,309/mo
Today · 4.125%
HK$128,196
baseline
▲ 0.50% · 4.625%
HK$134,953
+HK$6,757/mo
Deposit HK$2.66M · loan HK$23.97M · min. income ≈ HK$256,392/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,132,031 · Scale 2, in force from 26 Feb 2026)