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$60,724
−HK$3,808/mo
▼ 0.25% · 3.875%
HK$62,612
−HK$1,920/mo
Today · 4.125%
HK$64,532
baseline
▲ 0.50% · 4.625%
HK$68,458
+HK$3,926/mo
Deposit HK$13.32M · loan HK$13.32M · min. income ≈ HK$129,064/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,131,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,554
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$69,366
−HK$1,838/mo
Today · 4.125%
HK$71,204
baseline
▲ 0.50% · 4.625%
HK$74,957
+HK$3,753/mo
Deposit HK$13.32M · loan HK$13.32M · min. income ≈ HK$142,408/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,131,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,868
−HK$4,570/mo
▼ 0.25% · 3.875%
HK$75,135
−HK$2,303/mo
Today · 4.125%
HK$77,438
baseline
▲ 0.50% · 4.625%
HK$82,150
+HK$4,712/mo
Deposit HK$10.65M · loan HK$15.98M · min. income ≈ HK$154,876/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,131,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,065
−HK$4,380/mo
▼ 0.25% · 3.875%
HK$83,239
−HK$2,206/mo
Today · 4.125%
HK$85,445
baseline
▲ 0.50% · 4.625%
HK$89,949
+HK$4,504/mo
Deposit HK$10.65M · loan HK$15.98M · min. income ≈ HK$170,890/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,131,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,013
−HK$5,331/mo
▼ 0.25% · 3.875%
HK$87,657
−HK$2,687/mo
Today · 4.125%
HK$90,344
baseline
▲ 0.50% · 4.625%
HK$95,841
+HK$5,497/mo
Deposit HK$7.99M · loan HK$18.64M · min. income ≈ HK$180,688/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,131,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,576
−HK$5,110/mo
▼ 0.25% · 3.875%
HK$97,113
−HK$2,573/mo
Today · 4.125%
HK$99,686
baseline
▲ 0.50% · 4.625%
HK$104,940
+HK$5,254/mo
Deposit HK$7.99M · loan HK$18.64M · min. income ≈ HK$199,372/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,131,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,303
−HK$6,854/mo
▼ 0.25% · 3.875%
HK$112,702
−HK$3,455/mo
Today · 4.125%
HK$116,157
baseline
▲ 0.50% · 4.625%
HK$123,225
+HK$7,068/mo
Deposit HK$2.66M · loan HK$23.97M · min. income ≈ HK$232,314/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,131,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,598
−HK$6,570/mo
▼ 0.25% · 3.875%
HK$124,859
−HK$3,309/mo
Today · 4.125%
HK$128,168
baseline
▲ 0.50% · 4.625%
HK$134,923
+HK$6,755/mo
Deposit HK$2.66M · loan HK$23.97M · min. income ≈ HK$256,336/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,131,783 · Scale 2, in force from 26 Feb 2026)