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$60,686
−HK$3,806/mo
▼ 0.25% · 3.875%
HK$62,574
−HK$1,918/mo
Today · 4.125%
HK$64,492
baseline
▲ 0.50% · 4.625%
HK$68,416
+HK$3,924/mo
Deposit HK$13.31M · loan HK$13.31M · min. income ≈ HK$128,984/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,131,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,513
−HK$3,648/mo
▼ 0.25% · 3.875%
HK$69,324
−HK$1,837/mo
Today · 4.125%
HK$71,161
baseline
▲ 0.50% · 4.625%
HK$74,912
+HK$3,751/mo
Deposit HK$13.31M · loan HK$13.31M · min. income ≈ HK$142,322/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,131,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,824
−HK$4,566/mo
▼ 0.25% · 3.875%
HK$75,089
−HK$2,301/mo
Today · 4.125%
HK$77,390
baseline
▲ 0.50% · 4.625%
HK$82,099
+HK$4,709/mo
Deposit HK$10.65M · loan HK$15.97M · min. income ≈ HK$154,780/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,131,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,016
−HK$4,377/mo
▼ 0.25% · 3.875%
HK$83,188
−HK$2,205/mo
Today · 4.125%
HK$85,393
baseline
▲ 0.50% · 4.625%
HK$89,894
+HK$4,501/mo
Deposit HK$10.65M · loan HK$15.97M · min. income ≈ HK$170,786/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,131,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,961
−HK$5,328/mo
▼ 0.25% · 3.875%
HK$87,604
−HK$2,685/mo
Today · 4.125%
HK$90,289
baseline
▲ 0.50% · 4.625%
HK$95,783
+HK$5,494/mo
Deposit HK$7.98M · loan HK$18.63M · min. income ≈ HK$180,578/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,131,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,518
−HK$5,107/mo
▼ 0.25% · 3.875%
HK$97,053
−HK$2,572/mo
Today · 4.125%
HK$99,625
baseline
▲ 0.50% · 4.625%
HK$104,876
+HK$5,251/mo
Deposit HK$7.98M · loan HK$18.63M · min. income ≈ HK$199,250/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,131,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,236
−HK$6,850/mo
▼ 0.25% · 3.875%
HK$112,633
−HK$3,453/mo
Today · 4.125%
HK$116,086
baseline
▲ 0.50% · 4.625%
HK$123,149
+HK$7,063/mo
Deposit HK$2.66M · loan HK$23.95M · min. income ≈ HK$232,172/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,131,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,524
−HK$6,565/mo
▼ 0.25% · 3.875%
HK$124,783
−HK$3,306/mo
Today · 4.125%
HK$128,089
baseline
▲ 0.50% · 4.625%
HK$134,841
+HK$6,752/mo
Deposit HK$2.66M · loan HK$23.95M · min. income ≈ HK$256,178/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,131,090 · Scale 2, in force from 26 Feb 2026)