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$61,279
−HK$3,843/mo
▼ 0.25% · 3.875%
HK$63,186
−HK$1,936/mo
Today · 4.125%
HK$65,122
baseline
▲ 0.50% · 4.625%
HK$69,085
+HK$3,963/mo
Deposit HK$13.44M · loan HK$13.44M · min. income ≈ HK$130,244/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,142,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,173
−HK$3,683/mo
▼ 0.25% · 3.875%
HK$70,001
−HK$1,855/mo
Today · 4.125%
HK$71,856
baseline
▲ 0.50% · 4.625%
HK$75,644
+HK$3,788/mo
Deposit HK$13.44M · loan HK$13.44M · min. income ≈ HK$143,712/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,142,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,535
−HK$4,612/mo
▼ 0.25% · 3.875%
HK$75,823
−HK$2,324/mo
Today · 4.125%
HK$78,147
baseline
▲ 0.50% · 4.625%
HK$82,902
+HK$4,755/mo
Deposit HK$10.75M · loan HK$16.12M · min. income ≈ HK$156,294/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,142,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,807
−HK$4,420/mo
▼ 0.25% · 3.875%
HK$84,001
−HK$2,226/mo
Today · 4.125%
HK$86,227
baseline
▲ 0.50% · 4.625%
HK$90,772
+HK$4,545/mo
Deposit HK$10.75M · loan HK$16.12M · min. income ≈ HK$172,454/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,142,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,791
−HK$5,380/mo
▼ 0.25% · 3.875%
HK$88,460
−HK$2,711/mo
Today · 4.125%
HK$91,171
baseline
▲ 0.50% · 4.625%
HK$96,719
+HK$5,548/mo
Deposit HK$8.06M · loan HK$18.81M · min. income ≈ HK$182,342/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,142,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,442
−HK$5,156/mo
▼ 0.25% · 3.875%
HK$98,002
−HK$2,596/mo
Today · 4.125%
HK$100,598
baseline
▲ 0.50% · 4.625%
HK$105,901
+HK$5,303/mo
Deposit HK$8.06M · loan HK$18.81M · min. income ≈ HK$201,196/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,142,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,303
−HK$6,917/mo
▼ 0.25% · 3.875%
HK$113,734
−HK$3,486/mo
Today · 4.125%
HK$117,220
baseline
▲ 0.50% · 4.625%
HK$124,352
+HK$7,132/mo
Deposit HK$2.69M · loan HK$24.19M · min. income ≈ HK$234,440/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,711
−HK$6,630/mo
▼ 0.25% · 3.875%
HK$126,002
−HK$3,339/mo
Today · 4.125%
HK$129,341
baseline
▲ 0.50% · 4.625%
HK$136,158
+HK$6,817/mo
Deposit HK$2.69M · loan HK$24.19M · min. income ≈ HK$258,682/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,142 · Scale 2, in force from 26 Feb 2026)