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$60,710
−HK$3,807/mo
▼ 0.25% · 3.875%
HK$62,598
−HK$1,919/mo
Today · 4.125%
HK$64,517
baseline
▲ 0.50% · 4.625%
HK$68,443
+HK$3,926/mo
Deposit HK$13.31M · loan HK$13.31M · min. income ≈ HK$129,034/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,131,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,539
−HK$3,649/mo
▼ 0.25% · 3.875%
HK$69,351
−HK$1,837/mo
Today · 4.125%
HK$71,188
baseline
▲ 0.50% · 4.625%
HK$74,941
+HK$3,753/mo
Deposit HK$13.31M · loan HK$13.31M · min. income ≈ HK$142,376/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,131,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,852
−HK$4,568/mo
▼ 0.25% · 3.875%
HK$75,118
−HK$2,302/mo
Today · 4.125%
HK$77,420
baseline
▲ 0.50% · 4.625%
HK$82,131
+HK$4,711/mo
Deposit HK$10.65M · loan HK$15.97M · min. income ≈ HK$154,840/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,131,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,047
−HK$4,379/mo
▼ 0.25% · 3.875%
HK$83,221
−HK$2,205/mo
Today · 4.125%
HK$85,426
baseline
▲ 0.50% · 4.625%
HK$89,929
+HK$4,503/mo
Deposit HK$10.65M · loan HK$15.97M · min. income ≈ HK$170,852/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,131,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,994
−HK$5,330/mo
▼ 0.25% · 3.875%
HK$87,638
−HK$2,686/mo
Today · 4.125%
HK$90,324
baseline
▲ 0.50% · 4.625%
HK$95,820
+HK$5,496/mo
Deposit HK$7.99M · loan HK$18.64M · min. income ≈ HK$180,648/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,131,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,555
−HK$5,108/mo
▼ 0.25% · 3.875%
HK$97,091
−HK$2,572/mo
Today · 4.125%
HK$99,663
baseline
▲ 0.50% · 4.625%
HK$104,917
+HK$5,254/mo
Deposit HK$7.99M · loan HK$18.64M · min. income ≈ HK$199,326/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,131,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,278
−HK$6,853/mo
▼ 0.25% · 3.875%
HK$112,677
−HK$3,454/mo
Today · 4.125%
HK$116,131
baseline
▲ 0.50% · 4.625%
HK$123,197
+HK$7,066/mo
Deposit HK$2.66M · loan HK$23.96M · min. income ≈ HK$232,262/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,131,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,571
−HK$6,568/mo
▼ 0.25% · 3.875%
HK$124,831
−HK$3,308/mo
Today · 4.125%
HK$128,139
baseline
▲ 0.50% · 4.625%
HK$134,893
+HK$6,754/mo
Deposit HK$2.66M · loan HK$23.96M · min. income ≈ HK$256,278/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,131,529 · Scale 2, in force from 26 Feb 2026)