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$60,706
−HK$3,807/mo
▼ 0.25% · 3.875%
HK$62,594
−HK$1,919/mo
Today · 4.125%
HK$64,513
baseline
▲ 0.50% · 4.625%
HK$68,438
+HK$3,925/mo
Deposit HK$13.31M · loan HK$13.31M · min. income ≈ HK$129,026/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,131,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,535
−HK$3,649/mo
▼ 0.25% · 3.875%
HK$69,346
−HK$1,838/mo
Today · 4.125%
HK$71,184
baseline
▲ 0.50% · 4.625%
HK$74,936
+HK$3,752/mo
Deposit HK$13.31M · loan HK$13.31M · min. income ≈ HK$142,368/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,131,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,847
−HK$4,568/mo
▼ 0.25% · 3.875%
HK$75,113
−HK$2,302/mo
Today · 4.125%
HK$77,415
baseline
▲ 0.50% · 4.625%
HK$82,126
+HK$4,711/mo
Deposit HK$10.65M · loan HK$15.97M · min. income ≈ HK$154,830/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,131,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,042
−HK$4,378/mo
▼ 0.25% · 3.875%
HK$83,215
−HK$2,205/mo
Today · 4.125%
HK$85,420
baseline
▲ 0.50% · 4.625%
HK$89,923
+HK$4,503/mo
Deposit HK$10.65M · loan HK$15.97M · min. income ≈ HK$170,840/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,131,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,988
−HK$5,330/mo
▼ 0.25% · 3.875%
HK$87,632
−HK$2,686/mo
Today · 4.125%
HK$90,318
baseline
▲ 0.50% · 4.625%
HK$95,814
+HK$5,496/mo
Deposit HK$7.99M · loan HK$18.64M · min. income ≈ HK$180,636/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,131,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,549
−HK$5,108/mo
▼ 0.25% · 3.875%
HK$97,085
−HK$2,572/mo
Today · 4.125%
HK$99,657
baseline
▲ 0.50% · 4.625%
HK$104,910
+HK$5,253/mo
Deposit HK$7.99M · loan HK$18.64M · min. income ≈ HK$199,314/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,131,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,271
−HK$6,852/mo
▼ 0.25% · 3.875%
HK$112,670
−HK$3,453/mo
Today · 4.125%
HK$116,123
baseline
▲ 0.50% · 4.625%
HK$123,189
+HK$7,066/mo
Deposit HK$2.66M · loan HK$23.96M · min. income ≈ HK$232,246/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,131,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,563
−HK$6,567/mo
▼ 0.25% · 3.875%
HK$124,823
−HK$3,307/mo
Today · 4.125%
HK$128,130
baseline
▲ 0.50% · 4.625%
HK$134,884
+HK$6,754/mo
Deposit HK$2.66M · loan HK$23.96M · min. income ≈ HK$256,260/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,131,456 · Scale 2, in force from 26 Feb 2026)