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$60,771
−HK$3,810/mo
▼ 0.25% · 3.875%
HK$62,661
−HK$1,920/mo
Today · 4.125%
HK$64,581
baseline
▲ 0.50% · 4.625%
HK$68,511
+HK$3,930/mo
Deposit HK$13.33M · loan HK$13.33M · min. income ≈ HK$129,162/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,132,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,607
−HK$3,652/mo
▼ 0.25% · 3.875%
HK$69,420
−HK$1,839/mo
Today · 4.125%
HK$71,259
baseline
▲ 0.50% · 4.625%
HK$75,015
+HK$3,756/mo
Deposit HK$13.33M · loan HK$13.33M · min. income ≈ HK$142,518/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,132,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,925
−HK$4,573/mo
▼ 0.25% · 3.875%
HK$75,193
−HK$2,305/mo
Today · 4.125%
HK$77,498
baseline
▲ 0.50% · 4.625%
HK$82,213
+HK$4,715/mo
Deposit HK$10.66M · loan HK$15.99M · min. income ≈ HK$154,996/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,132,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,128
−HK$4,383/mo
▼ 0.25% · 3.875%
HK$83,304
−HK$2,207/mo
Today · 4.125%
HK$85,511
baseline
▲ 0.50% · 4.625%
HK$90,018
+HK$4,507/mo
Deposit HK$10.66M · loan HK$15.99M · min. income ≈ HK$171,022/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,132,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,079
−HK$5,335/mo
▼ 0.25% · 3.875%
HK$87,725
−HK$2,689/mo
Today · 4.125%
HK$90,414
baseline
▲ 0.50% · 4.625%
HK$95,915
+HK$5,501/mo
Deposit HK$8.00M · loan HK$18.66M · min. income ≈ HK$180,828/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$1,132,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,649
−HK$5,114/mo
▼ 0.25% · 3.875%
HK$97,188
−HK$2,575/mo
Today · 4.125%
HK$99,763
baseline
▲ 0.50% · 4.625%
HK$105,021
+HK$5,258/mo
Deposit HK$8.00M · loan HK$18.66M · min. income ≈ HK$199,526/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$1,132,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,387
−HK$6,859/mo
▼ 0.25% · 3.875%
HK$112,790
−HK$3,456/mo
Today · 4.125%
HK$116,246
baseline
▲ 0.50% · 4.625%
HK$123,320
+HK$7,074/mo
Deposit HK$2.67M · loan HK$23.99M · min. income ≈ HK$232,492/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,132,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,692
−HK$6,575/mo
▼ 0.25% · 3.875%
HK$124,956
−HK$3,311/mo
Today · 4.125%
HK$128,267
baseline
▲ 0.50% · 4.625%
HK$135,028
+HK$6,761/mo
Deposit HK$2.67M · loan HK$23.99M · min. income ≈ HK$256,534/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,132,657 · Scale 2, in force from 26 Feb 2026)