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$60,656
−HK$3,804/mo
▼ 0.25% · 3.875%
HK$62,543
−HK$1,917/mo
Today · 4.125%
HK$64,460
baseline
▲ 0.50% · 4.625%
HK$68,382
+HK$3,922/mo
Deposit HK$13.30M · loan HK$13.30M · min. income ≈ HK$128,920/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,130,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,479
−HK$3,646/mo
▼ 0.25% · 3.875%
HK$69,289
−HK$1,836/mo
Today · 4.125%
HK$71,125
baseline
▲ 0.50% · 4.625%
HK$74,874
+HK$3,749/mo
Deposit HK$13.30M · loan HK$13.30M · min. income ≈ HK$142,250/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,130,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,787
−HK$4,565/mo
▼ 0.25% · 3.875%
HK$75,051
−HK$2,301/mo
Today · 4.125%
HK$77,352
baseline
▲ 0.50% · 4.625%
HK$82,058
+HK$4,706/mo
Deposit HK$10.64M · loan HK$15.96M · min. income ≈ HK$154,704/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,130,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,975
−HK$4,375/mo
▼ 0.25% · 3.875%
HK$83,147
−HK$2,203/mo
Today · 4.125%
HK$85,350
baseline
▲ 0.50% · 4.625%
HK$89,849
+HK$4,499/mo
Deposit HK$10.64M · loan HK$15.96M · min. income ≈ HK$170,700/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,130,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,918
−HK$5,325/mo
▼ 0.25% · 3.875%
HK$87,560
−HK$2,683/mo
Today · 4.125%
HK$90,243
baseline
▲ 0.50% · 4.625%
HK$95,735
+HK$5,492/mo
Deposit HK$7.98M · loan HK$18.62M · min. income ≈ HK$180,486/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,471
−HK$5,104/mo
▼ 0.25% · 3.875%
HK$97,004
−HK$2,571/mo
Today · 4.125%
HK$99,575
baseline
▲ 0.50% · 4.625%
HK$104,823
+HK$5,248/mo
Deposit HK$7.98M · loan HK$18.62M · min. income ≈ HK$199,150/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,181
−HK$6,846/mo
▼ 0.25% · 3.875%
HK$112,577
−HK$3,450/mo
Today · 4.125%
HK$116,027
baseline
▲ 0.50% · 4.625%
HK$123,087
+HK$7,060/mo
Deposit HK$2.66M · loan HK$23.94M · min. income ≈ HK$232,054/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,462
−HK$6,563/mo
▼ 0.25% · 3.875%
HK$124,720
−HK$3,305/mo
Today · 4.125%
HK$128,025
baseline
▲ 0.50% · 4.625%
HK$134,773
+HK$6,748/mo
Deposit HK$2.66M · loan HK$23.94M · min. income ≈ HK$256,050/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,522 · Scale 2, in force from 26 Feb 2026)