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$60,756
−HK$3,810/mo
▼ 0.25% · 3.875%
HK$62,646
−HK$1,920/mo
Today · 4.125%
HK$64,566
baseline
▲ 0.50% · 4.625%
HK$68,495
+HK$3,929/mo
Deposit HK$13.32M · loan HK$13.32M · min. income ≈ HK$129,132/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,132,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,591
−HK$3,651/mo
▼ 0.25% · 3.875%
HK$69,403
−HK$1,839/mo
Today · 4.125%
HK$71,242
baseline
▲ 0.50% · 4.625%
HK$74,998
+HK$3,756/mo
Deposit HK$13.32M · loan HK$13.32M · min. income ≈ HK$142,484/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,132,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,907
−HK$4,572/mo
▼ 0.25% · 3.875%
HK$75,175
−HK$2,304/mo
Today · 4.125%
HK$77,479
baseline
▲ 0.50% · 4.625%
HK$82,194
+HK$4,715/mo
Deposit HK$10.66M · loan HK$15.99M · min. income ≈ HK$154,958/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,132,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,109
−HK$4,382/mo
▼ 0.25% · 3.875%
HK$83,284
−HK$2,207/mo
Today · 4.125%
HK$85,491
baseline
▲ 0.50% · 4.625%
HK$89,997
+HK$4,506/mo
Deposit HK$10.66M · loan HK$15.99M · min. income ≈ HK$170,982/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,132,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,059
−HK$5,334/mo
▼ 0.25% · 3.875%
HK$87,704
−HK$2,689/mo
Today · 4.125%
HK$90,393
baseline
▲ 0.50% · 4.625%
HK$95,893
+HK$5,500/mo
Deposit HK$7.99M · loan HK$18.65M · min. income ≈ HK$180,786/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$1,132,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,627
−HK$5,112/mo
▼ 0.25% · 3.875%
HK$97,165
−HK$2,574/mo
Today · 4.125%
HK$99,739
baseline
▲ 0.50% · 4.625%
HK$104,997
+HK$5,258/mo
Deposit HK$7.99M · loan HK$18.65M · min. income ≈ HK$199,478/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$1,132,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,361
−HK$6,858/mo
▼ 0.25% · 3.875%
HK$112,763
−HK$3,456/mo
Today · 4.125%
HK$116,219
baseline
▲ 0.50% · 4.625%
HK$123,291
+HK$7,072/mo
Deposit HK$2.66M · loan HK$23.98M · min. income ≈ HK$232,438/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,132,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,663
−HK$6,573/mo
▼ 0.25% · 3.875%
HK$124,926
−HK$3,310/mo
Today · 4.125%
HK$128,236
baseline
▲ 0.50% · 4.625%
HK$134,996
+HK$6,760/mo
Deposit HK$2.66M · loan HK$23.98M · min. income ≈ HK$256,472/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,132,390 · Scale 2, in force from 26 Feb 2026)