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$60,732
−HK$3,808/mo
▼ 0.25% · 3.875%
HK$62,621
−HK$1,919/mo
Today · 4.125%
HK$64,540
baseline
▲ 0.50% · 4.625%
HK$68,467
+HK$3,927/mo
Deposit HK$13.32M · loan HK$13.32M · min. income ≈ HK$129,080/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,131,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,563
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$69,375
−HK$1,838/mo
Today · 4.125%
HK$71,213
baseline
▲ 0.50% · 4.625%
HK$74,967
+HK$3,754/mo
Deposit HK$13.32M · loan HK$13.32M · min. income ≈ HK$142,426/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,131,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,878
−HK$4,570/mo
▼ 0.25% · 3.875%
HK$75,145
−HK$2,303/mo
Today · 4.125%
HK$77,448
baseline
▲ 0.50% · 4.625%
HK$82,160
+HK$4,712/mo
Deposit HK$10.65M · loan HK$15.98M · min. income ≈ HK$154,896/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,131,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,076
−HK$4,380/mo
▼ 0.25% · 3.875%
HK$83,250
−HK$2,206/mo
Today · 4.125%
HK$85,456
baseline
▲ 0.50% · 4.625%
HK$89,961
+HK$4,505/mo
Deposit HK$10.65M · loan HK$15.98M · min. income ≈ HK$170,912/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,131,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,024
−HK$5,332/mo
▼ 0.25% · 3.875%
HK$87,669
−HK$2,687/mo
Today · 4.125%
HK$90,356
baseline
▲ 0.50% · 4.625%
HK$95,854
+HK$5,498/mo
Deposit HK$7.99M · loan HK$18.64M · min. income ≈ HK$180,712/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,131,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,589
−HK$5,110/mo
▼ 0.25% · 3.875%
HK$97,125
−HK$2,574/mo
Today · 4.125%
HK$99,699
baseline
▲ 0.50% · 4.625%
HK$104,954
+HK$5,255/mo
Deposit HK$7.99M · loan HK$18.64M · min. income ≈ HK$199,398/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,131,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,317
−HK$6,855/mo
▼ 0.25% · 3.875%
HK$112,717
−HK$3,455/mo
Today · 4.125%
HK$116,172
baseline
▲ 0.50% · 4.625%
HK$123,241
+HK$7,069/mo
Deposit HK$2.66M · loan HK$23.97M · min. income ≈ HK$232,344/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,131,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,614
−HK$6,570/mo
▼ 0.25% · 3.875%
HK$124,875
−HK$3,309/mo
Today · 4.125%
HK$128,184
baseline
▲ 0.50% · 4.625%
HK$134,941
+HK$6,757/mo
Deposit HK$2.66M · loan HK$23.97M · min. income ≈ HK$256,368/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,131,931 · Scale 2, in force from 26 Feb 2026)