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$60,749
−HK$3,809/mo
▼ 0.25% · 3.875%
HK$62,638
−HK$1,920/mo
Today · 4.125%
HK$64,558
baseline
▲ 0.50% · 4.625%
HK$68,486
+HK$3,928/mo
Deposit HK$13.32M · loan HK$13.32M · min. income ≈ HK$129,116/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,132,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,582
−HK$3,651/mo
▼ 0.25% · 3.875%
HK$69,395
−HK$1,838/mo
Today · 4.125%
HK$71,233
baseline
▲ 0.50% · 4.625%
HK$74,988
+HK$3,755/mo
Deposit HK$13.32M · loan HK$13.32M · min. income ≈ HK$142,466/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,132,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,898
−HK$4,572/mo
▼ 0.25% · 3.875%
HK$75,166
−HK$2,304/mo
Today · 4.125%
HK$77,470
baseline
▲ 0.50% · 4.625%
HK$82,183
+HK$4,713/mo
Deposit HK$10.66M · loan HK$15.98M · min. income ≈ HK$154,940/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,132,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,099
−HK$4,381/mo
▼ 0.25% · 3.875%
HK$83,274
−HK$2,206/mo
Today · 4.125%
HK$85,480
baseline
▲ 0.50% · 4.625%
HK$89,986
+HK$4,506/mo
Deposit HK$10.66M · loan HK$15.98M · min. income ≈ HK$170,960/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,132,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,048
−HK$5,333/mo
▼ 0.25% · 3.875%
HK$87,693
−HK$2,688/mo
Today · 4.125%
HK$90,381
baseline
▲ 0.50% · 4.625%
HK$95,881
+HK$5,500/mo
Deposit HK$7.99M · loan HK$18.65M · min. income ≈ HK$180,762/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,132,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,615
−HK$5,112/mo
▼ 0.25% · 3.875%
HK$97,153
−HK$2,574/mo
Today · 4.125%
HK$99,727
baseline
▲ 0.50% · 4.625%
HK$104,984
+HK$5,257/mo
Deposit HK$7.99M · loan HK$18.65M · min. income ≈ HK$199,454/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,132,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,347
−HK$6,857/mo
▼ 0.25% · 3.875%
HK$112,749
−HK$3,455/mo
Today · 4.125%
HK$116,204
baseline
▲ 0.50% · 4.625%
HK$123,275
+HK$7,071/mo
Deposit HK$2.66M · loan HK$23.98M · min. income ≈ HK$232,408/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,132,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,648
−HK$6,572/mo
▼ 0.25% · 3.875%
HK$124,910
−HK$3,310/mo
Today · 4.125%
HK$128,220
baseline
▲ 0.50% · 4.625%
HK$134,979
+HK$6,759/mo
Deposit HK$2.66M · loan HK$23.98M · min. income ≈ HK$256,440/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,132,248 · Scale 2, in force from 26 Feb 2026)