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$60,689
−HK$3,805/mo
▼ 0.25% · 3.875%
HK$62,576
−HK$1,918/mo
Today · 4.125%
HK$64,494
baseline
▲ 0.50% · 4.625%
HK$68,419
+HK$3,925/mo
Deposit HK$13.31M · loan HK$13.31M · min. income ≈ HK$128,988/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,131,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,516
−HK$3,647/mo
▼ 0.25% · 3.875%
HK$69,326
−HK$1,837/mo
Today · 4.125%
HK$71,163
baseline
▲ 0.50% · 4.625%
HK$74,914
+HK$3,751/mo
Deposit HK$13.31M · loan HK$13.31M · min. income ≈ HK$142,326/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,131,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,826
−HK$4,567/mo
▼ 0.25% · 3.875%
HK$75,092
−HK$2,301/mo
Today · 4.125%
HK$77,393
baseline
▲ 0.50% · 4.625%
HK$82,103
+HK$4,710/mo
Deposit HK$10.65M · loan HK$15.97M · min. income ≈ HK$154,786/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,131,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,019
−HK$4,377/mo
▼ 0.25% · 3.875%
HK$83,192
−HK$2,204/mo
Today · 4.125%
HK$85,396
baseline
▲ 0.50% · 4.625%
HK$89,897
+HK$4,501/mo
Deposit HK$10.65M · loan HK$15.97M · min. income ≈ HK$170,792/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,131,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,964
−HK$5,328/mo
▼ 0.25% · 3.875%
HK$87,607
−HK$2,685/mo
Today · 4.125%
HK$90,292
baseline
▲ 0.50% · 4.625%
HK$95,786
+HK$5,494/mo
Deposit HK$7.98M · loan HK$18.63M · min. income ≈ HK$180,584/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,131,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,522
−HK$5,107/mo
▼ 0.25% · 3.875%
HK$97,057
−HK$2,572/mo
Today · 4.125%
HK$99,629
baseline
▲ 0.50% · 4.625%
HK$104,880
+HK$5,251/mo
Deposit HK$7.98M · loan HK$18.63M · min. income ≈ HK$199,258/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,131,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,240
−HK$6,850/mo
▼ 0.25% · 3.875%
HK$112,638
−HK$3,452/mo
Today · 4.125%
HK$116,090
baseline
▲ 0.50% · 4.625%
HK$123,154
+HK$7,064/mo
Deposit HK$2.66M · loan HK$23.95M · min. income ≈ HK$232,180/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,131,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,528
−HK$6,566/mo
▼ 0.25% · 3.875%
HK$124,787
−HK$3,307/mo
Today · 4.125%
HK$128,094
baseline
▲ 0.50% · 4.625%
HK$134,846
+HK$6,752/mo
Deposit HK$2.66M · loan HK$23.95M · min. income ≈ HK$256,188/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,131,132 · Scale 2, in force from 26 Feb 2026)