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$60,716
−HK$3,808/mo
▼ 0.25% · 3.875%
HK$62,605
−HK$1,919/mo
Today · 4.125%
HK$64,524
baseline
▲ 0.50% · 4.625%
HK$68,450
+HK$3,926/mo
Deposit HK$13.31M · loan HK$13.31M · min. income ≈ HK$129,048/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,131,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,546
−HK$3,649/mo
▼ 0.25% · 3.875%
HK$69,358
−HK$1,837/mo
Today · 4.125%
HK$71,195
baseline
▲ 0.50% · 4.625%
HK$74,948
+HK$3,753/mo
Deposit HK$13.31M · loan HK$13.31M · min. income ≈ HK$142,390/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,131,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,859
−HK$4,569/mo
▼ 0.25% · 3.875%
HK$75,126
−HK$2,302/mo
Today · 4.125%
HK$77,428
baseline
▲ 0.50% · 4.625%
HK$82,140
+HK$4,712/mo
Deposit HK$10.65M · loan HK$15.98M · min. income ≈ HK$154,856/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,131,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,055
−HK$4,380/mo
▼ 0.25% · 3.875%
HK$83,229
−HK$2,206/mo
Today · 4.125%
HK$85,435
baseline
▲ 0.50% · 4.625%
HK$89,938
+HK$4,503/mo
Deposit HK$10.65M · loan HK$15.98M · min. income ≈ HK$170,870/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,131,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,003
−HK$5,330/mo
▼ 0.25% · 3.875%
HK$87,647
−HK$2,686/mo
Today · 4.125%
HK$90,333
baseline
▲ 0.50% · 4.625%
HK$95,830
+HK$5,497/mo
Deposit HK$7.99M · loan HK$18.64M · min. income ≈ HK$180,666/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,131,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,565
−HK$5,109/mo
▼ 0.25% · 3.875%
HK$97,101
−HK$2,573/mo
Today · 4.125%
HK$99,674
baseline
▲ 0.50% · 4.625%
HK$104,928
+HK$5,254/mo
Deposit HK$7.99M · loan HK$18.64M · min. income ≈ HK$199,348/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,131,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,289
−HK$6,853/mo
▼ 0.25% · 3.875%
HK$112,689
−HK$3,453/mo
Today · 4.125%
HK$116,142
baseline
▲ 0.50% · 4.625%
HK$123,209
+HK$7,067/mo
Deposit HK$2.66M · loan HK$23.96M · min. income ≈ HK$232,284/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,131,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,583
−HK$6,569/mo
▼ 0.25% · 3.875%
HK$124,844
−HK$3,308/mo
Today · 4.125%
HK$128,152
baseline
▲ 0.50% · 4.625%
HK$134,907
+HK$6,755/mo
Deposit HK$2.66M · loan HK$23.96M · min. income ≈ HK$256,304/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,131,644 · Scale 2, in force from 26 Feb 2026)