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$60,708
−HK$3,807/mo
▼ 0.25% · 3.875%
HK$62,597
−HK$1,918/mo
Today · 4.125%
HK$64,515
baseline
▲ 0.50% · 4.625%
HK$68,441
+HK$3,926/mo
Deposit HK$13.31M · loan HK$13.31M · min. income ≈ HK$129,030/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,131,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,538
−HK$3,648/mo
▼ 0.25% · 3.875%
HK$69,349
−HK$1,837/mo
Today · 4.125%
HK$71,186
baseline
▲ 0.50% · 4.625%
HK$74,939
+HK$3,753/mo
Deposit HK$13.31M · loan HK$13.31M · min. income ≈ HK$142,372/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,131,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,850
−HK$4,569/mo
▼ 0.25% · 3.875%
HK$75,116
−HK$2,303/mo
Today · 4.125%
HK$77,419
baseline
▲ 0.50% · 4.625%
HK$82,129
+HK$4,710/mo
Deposit HK$10.65M · loan HK$15.97M · min. income ≈ HK$154,838/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,131,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,045
−HK$4,379/mo
▼ 0.25% · 3.875%
HK$83,219
−HK$2,205/mo
Today · 4.125%
HK$85,424
baseline
▲ 0.50% · 4.625%
HK$89,927
+HK$4,503/mo
Deposit HK$10.65M · loan HK$15.97M · min. income ≈ HK$170,848/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,131,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,992
−HK$5,330/mo
▼ 0.25% · 3.875%
HK$87,636
−HK$2,686/mo
Today · 4.125%
HK$90,322
baseline
▲ 0.50% · 4.625%
HK$95,817
+HK$5,495/mo
Deposit HK$7.99M · loan HK$18.64M · min. income ≈ HK$180,644/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,131,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,553
−HK$5,108/mo
▼ 0.25% · 3.875%
HK$97,088
−HK$2,573/mo
Today · 4.125%
HK$99,661
baseline
▲ 0.50% · 4.625%
HK$104,914
+HK$5,253/mo
Deposit HK$7.99M · loan HK$18.64M · min. income ≈ HK$199,322/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,131,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,275
−HK$6,853/mo
▼ 0.25% · 3.875%
HK$112,674
−HK$3,454/mo
Today · 4.125%
HK$116,128
baseline
▲ 0.50% · 4.625%
HK$123,194
+HK$7,066/mo
Deposit HK$2.66M · loan HK$23.96M · min. income ≈ HK$232,256/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,131,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,568
−HK$6,568/mo
▼ 0.25% · 3.875%
HK$124,828
−HK$3,308/mo
Today · 4.125%
HK$128,136
baseline
▲ 0.50% · 4.625%
HK$134,890
+HK$6,754/mo
Deposit HK$2.66M · loan HK$23.96M · min. income ≈ HK$256,272/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,131,501 · Scale 2, in force from 26 Feb 2026)