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$60,712
−HK$3,807/mo
▼ 0.25% · 3.875%
HK$62,601
−HK$1,918/mo
Today · 4.125%
HK$64,519
baseline
▲ 0.50% · 4.625%
HK$68,445
+HK$3,926/mo
Deposit HK$13.31M · loan HK$13.31M · min. income ≈ HK$129,038/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,131,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,542
−HK$3,649/mo
▼ 0.25% · 3.875%
HK$69,353
−HK$1,838/mo
Today · 4.125%
HK$71,191
baseline
▲ 0.50% · 4.625%
HK$74,943
+HK$3,752/mo
Deposit HK$13.31M · loan HK$13.31M · min. income ≈ HK$142,382/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,131,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,855
−HK$4,568/mo
▼ 0.25% · 3.875%
HK$75,121
−HK$2,302/mo
Today · 4.125%
HK$77,423
baseline
▲ 0.50% · 4.625%
HK$82,134
+HK$4,711/mo
Deposit HK$10.65M · loan HK$15.98M · min. income ≈ HK$154,846/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,131,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,050
−HK$4,379/mo
▼ 0.25% · 3.875%
HK$83,224
−HK$2,205/mo
Today · 4.125%
HK$85,429
baseline
▲ 0.50% · 4.625%
HK$89,932
+HK$4,503/mo
Deposit HK$10.65M · loan HK$15.98M · min. income ≈ HK$170,858/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,131,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,997
−HK$5,330/mo
▼ 0.25% · 3.875%
HK$87,641
−HK$2,686/mo
Today · 4.125%
HK$90,327
baseline
▲ 0.50% · 4.625%
HK$95,823
+HK$5,496/mo
Deposit HK$7.99M · loan HK$18.64M · min. income ≈ HK$180,654/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,131,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,558
−HK$5,109/mo
▼ 0.25% · 3.875%
HK$97,094
−HK$2,573/mo
Today · 4.125%
HK$99,667
baseline
▲ 0.50% · 4.625%
HK$104,921
+HK$5,254/mo
Deposit HK$7.99M · loan HK$18.64M · min. income ≈ HK$199,334/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,131,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,282
−HK$6,853/mo
▼ 0.25% · 3.875%
HK$112,681
−HK$3,454/mo
Today · 4.125%
HK$116,135
baseline
▲ 0.50% · 4.625%
HK$123,201
+HK$7,066/mo
Deposit HK$2.66M · loan HK$23.96M · min. income ≈ HK$232,270/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,131,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,575
−HK$6,568/mo
▼ 0.25% · 3.875%
HK$124,836
−HK$3,307/mo
Today · 4.125%
HK$128,143
baseline
▲ 0.50% · 4.625%
HK$134,898
+HK$6,755/mo
Deposit HK$2.66M · loan HK$23.96M · min. income ≈ HK$256,286/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,131,570 · Scale 2, in force from 26 Feb 2026)