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$60,642
−HK$3,803/mo
▼ 0.25% · 3.875%
HK$62,529
−HK$1,916/mo
Today · 4.125%
HK$64,445
baseline
▲ 0.50% · 4.625%
HK$68,367
+HK$3,922/mo
Deposit HK$13.30M · loan HK$13.30M · min. income ≈ HK$128,890/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,130,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,464
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$69,273
−HK$1,836/mo
Today · 4.125%
HK$71,109
baseline
▲ 0.50% · 4.625%
HK$74,857
+HK$3,748/mo
Deposit HK$13.30M · loan HK$13.30M · min. income ≈ HK$142,218/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,130,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,771
−HK$4,563/mo
▼ 0.25% · 3.875%
HK$75,034
−HK$2,300/mo
Today · 4.125%
HK$77,334
baseline
▲ 0.50% · 4.625%
HK$82,040
+HK$4,706/mo
Deposit HK$10.64M · loan HK$15.96M · min. income ≈ HK$154,668/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,130,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,957
−HK$4,374/mo
▼ 0.25% · 3.875%
HK$83,128
−HK$2,203/mo
Today · 4.125%
HK$85,331
baseline
▲ 0.50% · 4.625%
HK$89,829
+HK$4,498/mo
Deposit HK$10.64M · loan HK$15.96M · min. income ≈ HK$170,662/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,130,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,899
−HK$5,324/mo
▼ 0.25% · 3.875%
HK$87,540
−HK$2,683/mo
Today · 4.125%
HK$90,223
baseline
▲ 0.50% · 4.625%
HK$95,713
+HK$5,490/mo
Deposit HK$7.98M · loan HK$18.62M · min. income ≈ HK$180,446/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,450
−HK$5,103/mo
▼ 0.25% · 3.875%
HK$96,983
−HK$2,570/mo
Today · 4.125%
HK$99,553
baseline
▲ 0.50% · 4.625%
HK$104,800
+HK$5,247/mo
Deposit HK$7.98M · loan HK$18.62M · min. income ≈ HK$199,106/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,156
−HK$6,845/mo
▼ 0.25% · 3.875%
HK$112,552
−HK$3,449/mo
Today · 4.125%
HK$116,001
baseline
▲ 0.50% · 4.625%
HK$123,060
+HK$7,059/mo
Deposit HK$2.66M · loan HK$23.94M · min. income ≈ HK$232,002/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,435
−HK$6,561/mo
▼ 0.25% · 3.875%
HK$124,692
−HK$3,304/mo
Today · 4.125%
HK$127,996
baseline
▲ 0.50% · 4.625%
HK$134,743
+HK$6,747/mo
Deposit HK$2.66M · loan HK$23.94M · min. income ≈ HK$255,992/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,269 · Scale 2, in force from 26 Feb 2026)