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$60,974
−HK$3,824/mo
▼ 0.25% · 3.875%
HK$62,871
−HK$1,927/mo
Today · 4.125%
HK$64,798
baseline
▲ 0.50% · 4.625%
HK$68,741
+HK$3,943/mo
Deposit HK$13.37M · loan HK$13.37M · min. income ≈ HK$129,596/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,136,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,833
−HK$3,665/mo
▼ 0.25% · 3.875%
HK$69,653
−HK$1,845/mo
Today · 4.125%
HK$71,498
baseline
▲ 0.50% · 4.625%
HK$75,267
+HK$3,769/mo
Deposit HK$13.37M · loan HK$13.37M · min. income ≈ HK$142,996/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,136,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,169
−HK$4,588/mo
▼ 0.25% · 3.875%
HK$75,445
−HK$2,312/mo
Today · 4.125%
HK$77,757
baseline
▲ 0.50% · 4.625%
HK$82,489
+HK$4,732/mo
Deposit HK$10.70M · loan HK$16.04M · min. income ≈ HK$155,514/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,136,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,400
−HK$4,398/mo
▼ 0.25% · 3.875%
HK$83,583
−HK$2,215/mo
Today · 4.125%
HK$85,798
baseline
▲ 0.50% · 4.625%
HK$90,320
+HK$4,522/mo
Deposit HK$10.70M · loan HK$16.04M · min. income ≈ HK$171,596/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,136,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,364
−HK$5,353/mo
▼ 0.25% · 3.875%
HK$88,019
−HK$2,698/mo
Today · 4.125%
HK$90,717
baseline
▲ 0.50% · 4.625%
HK$96,237
+HK$5,520/mo
Deposit HK$8.02M · loan HK$18.72M · min. income ≈ HK$181,434/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,136,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,967
−HK$5,130/mo
▼ 0.25% · 3.875%
HK$97,514
−HK$2,583/mo
Today · 4.125%
HK$100,097
baseline
▲ 0.50% · 4.625%
HK$105,374
+HK$5,277/mo
Deposit HK$8.02M · loan HK$18.72M · min. income ≈ HK$200,194/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,136,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,754
−HK$6,882/mo
▼ 0.25% · 3.875%
HK$113,168
−HK$3,468/mo
Today · 4.125%
HK$116,636
baseline
▲ 0.50% · 4.625%
HK$123,733
+HK$7,097/mo
Deposit HK$2.67M · loan HK$24.07M · min. income ≈ HK$233,272/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,136,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,100
−HK$6,597/mo
▼ 0.25% · 3.875%
HK$125,375
−HK$3,322/mo
Today · 4.125%
HK$128,697
baseline
▲ 0.50% · 4.625%
HK$135,480
+HK$6,783/mo
Deposit HK$2.67M · loan HK$24.07M · min. income ≈ HK$257,394/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,136,455 · Scale 2, in force from 26 Feb 2026)