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$60,726
−HK$3,808/mo
▼ 0.25% · 3.875%
HK$62,615
−HK$1,919/mo
Today · 4.125%
HK$64,534
baseline
▲ 0.50% · 4.625%
HK$68,461
+HK$3,927/mo
Deposit HK$13.32M · loan HK$13.32M · min. income ≈ HK$129,068/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,131,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,557
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$69,369
−HK$1,838/mo
Today · 4.125%
HK$71,207
baseline
▲ 0.50% · 4.625%
HK$74,960
+HK$3,753/mo
Deposit HK$13.32M · loan HK$13.32M · min. income ≈ HK$142,414/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,131,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,871
−HK$4,570/mo
▼ 0.25% · 3.875%
HK$75,138
−HK$2,303/mo
Today · 4.125%
HK$77,441
baseline
▲ 0.50% · 4.625%
HK$82,153
+HK$4,712/mo
Deposit HK$10.65M · loan HK$15.98M · min. income ≈ HK$154,882/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,131,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,068
−HK$4,380/mo
▼ 0.25% · 3.875%
HK$83,242
−HK$2,206/mo
Today · 4.125%
HK$85,448
baseline
▲ 0.50% · 4.625%
HK$89,952
+HK$4,504/mo
Deposit HK$10.65M · loan HK$15.98M · min. income ≈ HK$170,896/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,131,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,016
−HK$5,331/mo
▼ 0.25% · 3.875%
HK$87,661
−HK$2,686/mo
Today · 4.125%
HK$90,347
baseline
▲ 0.50% · 4.625%
HK$95,845
+HK$5,498/mo
Deposit HK$7.99M · loan HK$18.64M · min. income ≈ HK$180,694/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,131,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,580
−HK$5,109/mo
▼ 0.25% · 3.875%
HK$97,116
−HK$2,573/mo
Today · 4.125%
HK$99,689
baseline
▲ 0.50% · 4.625%
HK$104,944
+HK$5,255/mo
Deposit HK$7.99M · loan HK$18.64M · min. income ≈ HK$199,378/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,131,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,306
−HK$6,855/mo
▼ 0.25% · 3.875%
HK$112,706
−HK$3,455/mo
Today · 4.125%
HK$116,161
baseline
▲ 0.50% · 4.625%
HK$123,229
+HK$7,068/mo
Deposit HK$2.66M · loan HK$23.97M · min. income ≈ HK$232,322/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,131,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,602
−HK$6,570/mo
▼ 0.25% · 3.875%
HK$124,864
−HK$3,308/mo
Today · 4.125%
HK$128,172
baseline
▲ 0.50% · 4.625%
HK$134,928
+HK$6,756/mo
Deposit HK$2.66M · loan HK$23.97M · min. income ≈ HK$256,344/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,131,823 · Scale 2, in force from 26 Feb 2026)