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$62,528
−HK$1,917/mo
Today · 4.125%
HK$64,445
baseline
▲ 0.50% · 4.625%
HK$68,366
+HK$3,921/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$1,130,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,464
−HK$3,644/mo
▼ 0.25% · 3.875%
HK$69,273
−HK$1,835/mo
Today · 4.125%
HK$71,108
baseline
▲ 0.50% · 4.625%
HK$74,857
+HK$3,749/mo
Deposit HK$13.30M · loan HK$13.30M · min. income ≈ HK$142,216/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,130,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,770
−HK$4,564/mo
▼ 0.25% · 3.875%
HK$75,034
−HK$2,300/mo
Today · 4.125%
HK$77,334
baseline
▲ 0.50% · 4.625%
HK$82,039
+HK$4,705/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$1,130,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,956
−HK$4,374/mo
▼ 0.25% · 3.875%
HK$83,127
−HK$2,203/mo
Today · 4.125%
HK$85,330
baseline
▲ 0.50% · 4.625%
HK$89,828
+HK$4,498/mo
Deposit HK$10.64M · loan HK$15.96M · min. income ≈ HK$170,660/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,130,261 · 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$95,712
+HK$5,489/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$1,130,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,449
−HK$5,103/mo
▼ 0.25% · 3.875%
HK$96,982
−HK$2,570/mo
Today · 4.125%
HK$99,552
baseline
▲ 0.50% · 4.625%
HK$104,799
+HK$5,247/mo
Deposit HK$7.98M · loan HK$18.62M · min. income ≈ HK$199,104/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,156
−HK$6,845/mo
▼ 0.25% · 3.875%
HK$112,551
−HK$3,450/mo
Today · 4.125%
HK$116,001
baseline
▲ 0.50% · 4.625%
HK$123,059
+HK$7,058/mo
Deposit HK$2.66M · loan HK$23.93M · min. income ≈ HK$232,002/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,434
−HK$6,561/mo
▼ 0.25% · 3.875%
HK$124,691
−HK$3,304/mo
Today · 4.125%
HK$127,995
baseline
▲ 0.50% · 4.625%
HK$134,742
+HK$6,747/mo
Deposit HK$2.66M · loan HK$23.93M · min. income ≈ HK$255,990/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,261 · Scale 2, in force from 26 Feb 2026)