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$60,658
−HK$3,804/mo
▼ 0.25% · 3.875%
HK$62,545
−HK$1,917/mo
Today · 4.125%
HK$64,462
baseline
▲ 0.50% · 4.625%
HK$68,384
+HK$3,922/mo
Deposit HK$13.30M · loan HK$13.30M · min. income ≈ HK$128,924/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,130,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,482
−HK$3,646/mo
▼ 0.25% · 3.875%
HK$69,292
−HK$1,836/mo
Today · 4.125%
HK$71,128
baseline
▲ 0.50% · 4.625%
HK$74,877
+HK$3,749/mo
Deposit HK$13.30M · loan HK$13.30M · min. income ≈ HK$142,256/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,130,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,790
−HK$4,564/mo
▼ 0.25% · 3.875%
HK$75,054
−HK$2,300/mo
Today · 4.125%
HK$77,354
baseline
▲ 0.50% · 4.625%
HK$82,061
+HK$4,707/mo
Deposit HK$10.64M · loan HK$15.96M · min. income ≈ HK$154,708/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,130,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,978
−HK$4,375/mo
▼ 0.25% · 3.875%
HK$83,150
−HK$2,203/mo
Today · 4.125%
HK$85,353
baseline
▲ 0.50% · 4.625%
HK$89,852
+HK$4,499/mo
Deposit HK$10.64M · loan HK$15.96M · min. income ≈ HK$170,706/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,130,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,922
−HK$5,325/mo
▼ 0.25% · 3.875%
HK$87,563
−HK$2,684/mo
Today · 4.125%
HK$90,247
baseline
▲ 0.50% · 4.625%
HK$95,738
+HK$5,491/mo
Deposit HK$7.98M · loan HK$18.62M · min. income ≈ HK$180,494/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,474
−HK$5,105/mo
▼ 0.25% · 3.875%
HK$97,008
−HK$2,571/mo
Today · 4.125%
HK$99,579
baseline
▲ 0.50% · 4.625%
HK$104,827
+HK$5,248/mo
Deposit HK$7.98M · loan HK$18.62M · min. income ≈ HK$199,158/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,185
−HK$6,847/mo
▼ 0.25% · 3.875%
HK$112,581
−HK$3,451/mo
Today · 4.125%
HK$116,032
baseline
▲ 0.50% · 4.625%
HK$123,092
+HK$7,060/mo
Deposit HK$2.66M · loan HK$23.94M · min. income ≈ HK$232,064/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,467
−HK$6,563/mo
▼ 0.25% · 3.875%
HK$124,725
−HK$3,305/mo
Today · 4.125%
HK$128,030
baseline
▲ 0.50% · 4.625%
HK$134,778
+HK$6,748/mo
Deposit HK$2.66M · loan HK$23.94M · min. income ≈ HK$256,060/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,565 · Scale 2, in force from 26 Feb 2026)