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$60,676
−HK$3,805/mo
▼ 0.25% · 3.875%
HK$62,564
−HK$1,917/mo
Today · 4.125%
HK$64,481
baseline
▲ 0.50% · 4.625%
HK$68,405
+HK$3,924/mo
Deposit HK$13.30M · loan HK$13.30M · min. income ≈ HK$128,962/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,130,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,502
−HK$3,647/mo
▼ 0.25% · 3.875%
HK$69,312
−HK$1,837/mo
Today · 4.125%
HK$71,149
baseline
▲ 0.50% · 4.625%
HK$74,899
+HK$3,750/mo
Deposit HK$13.30M · loan HK$13.30M · min. income ≈ HK$142,298/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,130,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,812
−HK$4,566/mo
▼ 0.25% · 3.875%
HK$75,077
−HK$2,301/mo
Today · 4.125%
HK$77,378
baseline
▲ 0.50% · 4.625%
HK$82,086
+HK$4,708/mo
Deposit HK$10.64M · loan HK$15.97M · min. income ≈ HK$154,756/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,130,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,002
−HK$4,377/mo
▼ 0.25% · 3.875%
HK$83,175
−HK$2,204/mo
Today · 4.125%
HK$85,379
baseline
▲ 0.50% · 4.625%
HK$89,879
+HK$4,500/mo
Deposit HK$10.64M · loan HK$15.97M · min. income ≈ HK$170,758/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,130,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,947
−HK$5,327/mo
▼ 0.25% · 3.875%
HK$87,589
−HK$2,685/mo
Today · 4.125%
HK$90,274
baseline
▲ 0.50% · 4.625%
HK$95,767
+HK$5,493/mo
Deposit HK$7.98M · loan HK$18.63M · min. income ≈ HK$180,548/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,503
−HK$5,105/mo
▼ 0.25% · 3.875%
HK$97,037
−HK$2,571/mo
Today · 4.125%
HK$99,608
baseline
▲ 0.50% · 4.625%
HK$104,859
+HK$5,251/mo
Deposit HK$7.98M · loan HK$18.63M · min. income ≈ HK$199,216/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,218
−HK$6,848/mo
▼ 0.25% · 3.875%
HK$112,615
−HK$3,451/mo
Today · 4.125%
HK$116,066
baseline
▲ 0.50% · 4.625%
HK$123,129
+HK$7,063/mo
Deposit HK$2.66M · loan HK$23.95M · min. income ≈ HK$232,132/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,503
−HK$6,565/mo
▼ 0.25% · 3.875%
HK$124,762
−HK$3,306/mo
Today · 4.125%
HK$128,068
baseline
▲ 0.50% · 4.625%
HK$134,818
+HK$6,750/mo
Deposit HK$2.66M · loan HK$23.95M · min. income ≈ HK$256,136/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,903 · Scale 2, in force from 26 Feb 2026)