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$60,722
−HK$3,808/mo
▼ 0.25% · 3.875%
HK$62,611
−HK$1,919/mo
Today · 4.125%
HK$64,530
baseline
▲ 0.50% · 4.625%
HK$68,457
+HK$3,927/mo
Deposit HK$13.31M · loan HK$13.31M · min. income ≈ HK$129,060/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,131,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,553
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$69,365
−HK$1,838/mo
Today · 4.125%
HK$71,203
baseline
▲ 0.50% · 4.625%
HK$74,956
+HK$3,753/mo
Deposit HK$13.31M · loan HK$13.31M · min. income ≈ HK$142,406/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,131,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,867
−HK$4,569/mo
▼ 0.25% · 3.875%
HK$75,134
−HK$2,302/mo
Today · 4.125%
HK$77,436
baseline
▲ 0.50% · 4.625%
HK$82,148
+HK$4,712/mo
Deposit HK$10.65M · loan HK$15.98M · min. income ≈ HK$154,872/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,131,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,064
−HK$4,379/mo
▼ 0.25% · 3.875%
HK$83,238
−HK$2,205/mo
Today · 4.125%
HK$85,443
baseline
▲ 0.50% · 4.625%
HK$89,947
+HK$4,504/mo
Deposit HK$10.65M · loan HK$15.98M · min. income ≈ HK$170,886/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,131,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,011
−HK$5,331/mo
▼ 0.25% · 3.875%
HK$87,656
−HK$2,686/mo
Today · 4.125%
HK$90,342
baseline
▲ 0.50% · 4.625%
HK$95,840
+HK$5,498/mo
Deposit HK$7.99M · loan HK$18.64M · min. income ≈ HK$180,684/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,131,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,574
−HK$5,110/mo
▼ 0.25% · 3.875%
HK$97,111
−HK$2,573/mo
Today · 4.125%
HK$99,684
baseline
▲ 0.50% · 4.625%
HK$104,938
+HK$5,254/mo
Deposit HK$7.99M · loan HK$18.64M · min. income ≈ HK$199,368/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,131,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,300
−HK$6,855/mo
▼ 0.25% · 3.875%
HK$112,700
−HK$3,455/mo
Today · 4.125%
HK$116,155
baseline
▲ 0.50% · 4.625%
HK$123,222
+HK$7,067/mo
Deposit HK$2.66M · loan HK$23.97M · min. income ≈ HK$232,310/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,131,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,596
−HK$6,569/mo
▼ 0.25% · 3.875%
HK$124,857
−HK$3,308/mo
Today · 4.125%
HK$128,165
baseline
▲ 0.50% · 4.625%
HK$134,921
+HK$6,756/mo
Deposit HK$2.66M · loan HK$23.97M · min. income ≈ HK$256,330/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,131,761 · Scale 2, in force from 26 Feb 2026)