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$60,690
−HK$3,806/mo
▼ 0.25% · 3.875%
HK$62,578
−HK$1,918/mo
Today · 4.125%
HK$64,496
baseline
▲ 0.50% · 4.625%
HK$68,420
+HK$3,924/mo
Deposit HK$13.31M · loan HK$13.31M · min. income ≈ HK$128,992/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,131,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,517
−HK$3,647/mo
▼ 0.25% · 3.875%
HK$69,327
−HK$1,837/mo
Today · 4.125%
HK$71,164
baseline
▲ 0.50% · 4.625%
HK$74,916
+HK$3,752/mo
Deposit HK$13.31M · loan HK$13.31M · min. income ≈ HK$142,328/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,131,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,828
−HK$4,567/mo
▼ 0.25% · 3.875%
HK$75,093
−HK$2,302/mo
Today · 4.125%
HK$77,395
baseline
▲ 0.50% · 4.625%
HK$82,104
+HK$4,709/mo
Deposit HK$10.65M · loan HK$15.97M · min. income ≈ HK$154,790/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,131,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,020
−HK$4,377/mo
▼ 0.25% · 3.875%
HK$83,193
−HK$2,204/mo
Today · 4.125%
HK$85,397
baseline
▲ 0.50% · 4.625%
HK$89,899
+HK$4,502/mo
Deposit HK$10.65M · loan HK$15.97M · min. income ≈ HK$170,794/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,131,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,966
−HK$5,328/mo
▼ 0.25% · 3.875%
HK$87,609
−HK$2,685/mo
Today · 4.125%
HK$90,294
baseline
▲ 0.50% · 4.625%
HK$95,788
+HK$5,494/mo
Deposit HK$7.98M · loan HK$18.63M · min. income ≈ HK$180,588/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,131,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,523
−HK$5,107/mo
▼ 0.25% · 3.875%
HK$97,058
−HK$2,572/mo
Today · 4.125%
HK$99,630
baseline
▲ 0.50% · 4.625%
HK$104,882
+HK$5,252/mo
Deposit HK$7.98M · loan HK$18.63M · min. income ≈ HK$199,260/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,131,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,242
−HK$6,850/mo
▼ 0.25% · 3.875%
HK$112,640
−HK$3,452/mo
Today · 4.125%
HK$116,092
baseline
▲ 0.50% · 4.625%
HK$123,156
+HK$7,064/mo
Deposit HK$2.66M · loan HK$23.95M · min. income ≈ HK$232,184/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,131,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,530
−HK$6,566/mo
▼ 0.25% · 3.875%
HK$124,789
−HK$3,307/mo
Today · 4.125%
HK$128,096
baseline
▲ 0.50% · 4.625%
HK$134,848
+HK$6,752/mo
Deposit HK$2.66M · loan HK$23.95M · min. income ≈ HK$256,192/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,131,151 · Scale 2, in force from 26 Feb 2026)