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$60,670
−HK$3,805/mo
▼ 0.25% · 3.875%
HK$62,557
−HK$1,918/mo
Today · 4.125%
HK$64,475
baseline
▲ 0.50% · 4.625%
HK$68,398
+HK$3,923/mo
Deposit HK$13.30M · loan HK$13.30M · min. income ≈ HK$128,950/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,130,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,495
−HK$3,647/mo
▼ 0.25% · 3.875%
HK$69,305
−HK$1,837/mo
Today · 4.125%
HK$71,142
baseline
▲ 0.50% · 4.625%
HK$74,892
+HK$3,750/mo
Deposit HK$13.30M · loan HK$13.30M · min. income ≈ HK$142,284/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,130,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,804
−HK$4,566/mo
▼ 0.25% · 3.875%
HK$75,069
−HK$2,301/mo
Today · 4.125%
HK$77,370
baseline
▲ 0.50% · 4.625%
HK$82,077
+HK$4,707/mo
Deposit HK$10.64M · loan HK$15.96M · min. income ≈ HK$154,740/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,130,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,994
−HK$4,376/mo
▼ 0.25% · 3.875%
HK$83,166
−HK$2,204/mo
Today · 4.125%
HK$85,370
baseline
▲ 0.50% · 4.625%
HK$89,870
+HK$4,500/mo
Deposit HK$10.64M · loan HK$15.96M · min. income ≈ HK$170,740/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,130,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,938
−HK$5,327/mo
▼ 0.25% · 3.875%
HK$87,580
−HK$2,685/mo
Today · 4.125%
HK$90,265
baseline
▲ 0.50% · 4.625%
HK$95,757
+HK$5,492/mo
Deposit HK$7.98M · loan HK$18.62M · min. income ≈ HK$180,530/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,493
−HK$5,105/mo
▼ 0.25% · 3.875%
HK$97,027
−HK$2,571/mo
Today · 4.125%
HK$99,598
baseline
▲ 0.50% · 4.625%
HK$104,848
+HK$5,250/mo
Deposit HK$7.98M · loan HK$18.62M · min. income ≈ HK$199,196/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,206
−HK$6,849/mo
▼ 0.25% · 3.875%
HK$112,603
−HK$3,452/mo
Today · 4.125%
HK$116,055
baseline
▲ 0.50% · 4.625%
HK$123,116
+HK$7,061/mo
Deposit HK$2.66M · loan HK$23.95M · min. income ≈ HK$232,110/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,491
−HK$6,564/mo
▼ 0.25% · 3.875%
HK$124,749
−HK$3,306/mo
Today · 4.125%
HK$128,055
baseline
▲ 0.50% · 4.625%
HK$134,805
+HK$6,750/mo
Deposit HK$2.66M · loan HK$23.95M · min. income ≈ HK$256,110/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,787 · Scale 2, in force from 26 Feb 2026)