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$60,637
−HK$3,803/mo
▼ 0.25% · 3.875%
HK$62,523
−HK$1,917/mo
Today · 4.125%
HK$64,440
baseline
▲ 0.50% · 4.625%
HK$68,361
+HK$3,921/mo
Deposit HK$13.30M · loan HK$13.30M · min. income ≈ HK$128,880/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,130,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,458
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$69,267
−HK$1,836/mo
Today · 4.125%
HK$71,103
baseline
▲ 0.50% · 4.625%
HK$74,851
+HK$3,748/mo
Deposit HK$13.30M · loan HK$13.30M · min. income ≈ HK$142,206/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,130,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,765
−HK$4,563/mo
▼ 0.25% · 3.875%
HK$75,028
−HK$2,300/mo
Today · 4.125%
HK$77,328
baseline
▲ 0.50% · 4.625%
HK$82,033
+HK$4,705/mo
Deposit HK$10.64M · loan HK$15.96M · min. income ≈ HK$154,656/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,130,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,950
−HK$4,373/mo
▼ 0.25% · 3.875%
HK$83,121
−HK$2,202/mo
Today · 4.125%
HK$85,323
baseline
▲ 0.50% · 4.625%
HK$89,821
+HK$4,498/mo
Deposit HK$10.64M · loan HK$15.96M · min. income ≈ HK$170,646/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,130,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,892
−HK$5,323/mo
▼ 0.25% · 3.875%
HK$87,533
−HK$2,682/mo
Today · 4.125%
HK$90,215
baseline
▲ 0.50% · 4.625%
HK$95,705
+HK$5,490/mo
Deposit HK$7.98M · loan HK$18.61M · min. income ≈ HK$180,430/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,441
−HK$5,103/mo
▼ 0.25% · 3.875%
HK$96,974
−HK$2,570/mo
Today · 4.125%
HK$99,544
baseline
▲ 0.50% · 4.625%
HK$104,791
+HK$5,247/mo
Deposit HK$7.98M · loan HK$18.61M · min. income ≈ HK$199,088/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,147
−HK$6,844/mo
▼ 0.25% · 3.875%
HK$112,542
−HK$3,449/mo
Today · 4.125%
HK$115,991
baseline
▲ 0.50% · 4.625%
HK$123,049
+HK$7,058/mo
Deposit HK$2.66M · loan HK$23.93M · min. income ≈ HK$231,982/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,425
−HK$6,560/mo
▼ 0.25% · 3.875%
HK$124,681
−HK$3,304/mo
Today · 4.125%
HK$127,985
baseline
▲ 0.50% · 4.625%
HK$134,731
+HK$6,746/mo
Deposit HK$2.66M · loan HK$23.93M · min. income ≈ HK$255,970/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,171 · Scale 2, in force from 26 Feb 2026)