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$60,760
−HK$3,810/mo
▼ 0.25% · 3.875%
HK$62,650
−HK$1,920/mo
Today · 4.125%
HK$64,570
baseline
▲ 0.50% · 4.625%
HK$68,499
+HK$3,929/mo
Deposit HK$13.32M · loan HK$13.32M · min. income ≈ HK$129,140/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,132,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,595
−HK$3,652/mo
▼ 0.25% · 3.875%
HK$69,408
−HK$1,839/mo
Today · 4.125%
HK$71,247
baseline
▲ 0.50% · 4.625%
HK$75,003
+HK$3,756/mo
Deposit HK$13.32M · loan HK$13.32M · min. income ≈ HK$142,494/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,132,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,912
−HK$4,573/mo
▼ 0.25% · 3.875%
HK$75,180
−HK$2,305/mo
Today · 4.125%
HK$77,485
baseline
▲ 0.50% · 4.625%
HK$82,199
+HK$4,714/mo
Deposit HK$10.66M · loan HK$15.99M · min. income ≈ HK$154,970/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,132,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,114
−HK$4,383/mo
▼ 0.25% · 3.875%
HK$83,290
−HK$2,207/mo
Today · 4.125%
HK$85,497
baseline
▲ 0.50% · 4.625%
HK$90,003
+HK$4,506/mo
Deposit HK$10.66M · loan HK$15.99M · min. income ≈ HK$170,994/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,132,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,064
−HK$5,335/mo
▼ 0.25% · 3.875%
HK$87,710
−HK$2,689/mo
Today · 4.125%
HK$90,399
baseline
▲ 0.50% · 4.625%
HK$95,899
+HK$5,500/mo
Deposit HK$7.99M · loan HK$18.65M · min. income ≈ HK$180,798/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$1,132,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,633
−HK$5,113/mo
▼ 0.25% · 3.875%
HK$97,171
−HK$2,575/mo
Today · 4.125%
HK$99,746
baseline
▲ 0.50% · 4.625%
HK$105,004
+HK$5,258/mo
Deposit HK$7.99M · loan HK$18.65M · min. income ≈ HK$199,492/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$1,132,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,369
−HK$6,858/mo
▼ 0.25% · 3.875%
HK$112,770
−HK$3,457/mo
Today · 4.125%
HK$116,227
baseline
▲ 0.50% · 4.625%
HK$123,299
+HK$7,072/mo
Deposit HK$2.66M · loan HK$23.98M · min. income ≈ HK$232,454/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,132,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,671
−HK$6,574/mo
▼ 0.25% · 3.875%
HK$124,935
−HK$3,310/mo
Today · 4.125%
HK$128,245
baseline
▲ 0.50% · 4.625%
HK$135,005
+HK$6,760/mo
Deposit HK$2.66M · loan HK$23.98M · min. income ≈ HK$256,490/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,132,466 · Scale 2, in force from 26 Feb 2026)