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$60,740
−HK$3,809/mo
▼ 0.25% · 3.875%
HK$62,629
−HK$1,920/mo
Today · 4.125%
HK$64,549
baseline
▲ 0.50% · 4.625%
HK$68,476
+HK$3,927/mo
Deposit HK$13.32M · loan HK$13.32M · min. income ≈ HK$129,098/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,132,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,572
−HK$3,651/mo
▼ 0.25% · 3.875%
HK$69,384
−HK$1,839/mo
Today · 4.125%
HK$71,223
baseline
▲ 0.50% · 4.625%
HK$74,977
+HK$3,754/mo
Deposit HK$13.32M · loan HK$13.32M · min. income ≈ HK$142,446/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,132,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,888
−HK$4,570/mo
▼ 0.25% · 3.875%
HK$75,155
−HK$2,303/mo
Today · 4.125%
HK$77,458
baseline
▲ 0.50% · 4.625%
HK$82,171
+HK$4,713/mo
Deposit HK$10.65M · loan HK$15.98M · min. income ≈ HK$154,916/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,132,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,087
−HK$4,381/mo
▼ 0.25% · 3.875%
HK$83,261
−HK$2,207/mo
Today · 4.125%
HK$85,468
baseline
▲ 0.50% · 4.625%
HK$89,973
+HK$4,505/mo
Deposit HK$10.65M · loan HK$15.98M · min. income ≈ HK$170,936/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,132,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,035
−HK$5,333/mo
▼ 0.25% · 3.875%
HK$87,681
−HK$2,687/mo
Today · 4.125%
HK$90,368
baseline
▲ 0.50% · 4.625%
HK$95,867
+HK$5,499/mo
Deposit HK$7.99M · loan HK$18.65M · min. income ≈ HK$180,736/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,132,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,601
−HK$5,111/mo
▼ 0.25% · 3.875%
HK$97,138
−HK$2,574/mo
Today · 4.125%
HK$99,712
baseline
▲ 0.50% · 4.625%
HK$104,968
+HK$5,256/mo
Deposit HK$7.99M · loan HK$18.65M · min. income ≈ HK$199,424/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,132,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,331
−HK$6,856/mo
▼ 0.25% · 3.875%
HK$112,732
−HK$3,455/mo
Today · 4.125%
HK$116,187
baseline
▲ 0.50% · 4.625%
HK$123,257
+HK$7,070/mo
Deposit HK$2.66M · loan HK$23.97M · min. income ≈ HK$232,374/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,132,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,630
−HK$6,571/mo
▼ 0.25% · 3.875%
HK$124,892
−HK$3,309/mo
Today · 4.125%
HK$128,201
baseline
▲ 0.50% · 4.625%
HK$134,959
+HK$6,758/mo
Deposit HK$2.66M · loan HK$23.97M · min. income ≈ HK$256,402/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,132,081 · Scale 2, in force from 26 Feb 2026)