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$60,969
−HK$3,824/mo
▼ 0.25% · 3.875%
HK$62,866
−HK$1,927/mo
Today · 4.125%
HK$64,793
baseline
▲ 0.50% · 4.625%
HK$68,735
+HK$3,942/mo
Deposit HK$13.37M · loan HK$13.37M · min. income ≈ HK$129,586/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,136,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,828
−HK$3,664/mo
▼ 0.25% · 3.875%
HK$69,647
−HK$1,845/mo
Today · 4.125%
HK$71,492
baseline
▲ 0.50% · 4.625%
HK$75,261
+HK$3,769/mo
Deposit HK$13.37M · loan HK$13.37M · min. income ≈ HK$142,984/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,136,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,163
−HK$4,588/mo
▼ 0.25% · 3.875%
HK$75,439
−HK$2,312/mo
Today · 4.125%
HK$77,751
baseline
▲ 0.50% · 4.625%
HK$82,482
+HK$4,731/mo
Deposit HK$10.70M · loan HK$16.04M · min. income ≈ HK$155,502/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,136,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,393
−HK$4,398/mo
▼ 0.25% · 3.875%
HK$83,576
−HK$2,215/mo
Today · 4.125%
HK$85,791
baseline
▲ 0.50% · 4.625%
HK$90,313
+HK$4,522/mo
Deposit HK$10.70M · loan HK$16.04M · min. income ≈ HK$171,582/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,136,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,357
−HK$5,353/mo
▼ 0.25% · 3.875%
HK$88,012
−HK$2,698/mo
Today · 4.125%
HK$90,710
baseline
▲ 0.50% · 4.625%
HK$96,229
+HK$5,519/mo
Deposit HK$8.02M · loan HK$18.72M · min. income ≈ HK$181,420/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,136,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,959
−HK$5,130/mo
▼ 0.25% · 3.875%
HK$97,505
−HK$2,584/mo
Today · 4.125%
HK$100,089
baseline
▲ 0.50% · 4.625%
HK$105,365
+HK$5,276/mo
Deposit HK$8.02M · loan HK$18.72M · min. income ≈ HK$200,178/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,136,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,745
−HK$6,882/mo
▼ 0.25% · 3.875%
HK$113,158
−HK$3,469/mo
Today · 4.125%
HK$116,627
baseline
▲ 0.50% · 4.625%
HK$123,723
+HK$7,096/mo
Deposit HK$2.67M · loan HK$24.06M · min. income ≈ HK$233,254/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,136,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,090
−HK$6,596/mo
▼ 0.25% · 3.875%
HK$125,364
−HK$3,322/mo
Today · 4.125%
HK$128,686
baseline
▲ 0.50% · 4.625%
HK$135,469
+HK$6,783/mo
Deposit HK$2.67M · loan HK$24.06M · min. income ≈ HK$257,372/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,136,361 · Scale 2, in force from 26 Feb 2026)