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$60,955
−HK$3,822/mo
▼ 0.25% · 3.875%
HK$62,851
−HK$1,926/mo
Today · 4.125%
HK$64,777
baseline
▲ 0.50% · 4.625%
HK$68,719
+HK$3,942/mo
Deposit HK$13.37M · loan HK$13.37M · min. income ≈ HK$129,554/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,136,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,812
−HK$3,663/mo
▼ 0.25% · 3.875%
HK$69,630
−HK$1,845/mo
Today · 4.125%
HK$71,475
baseline
▲ 0.50% · 4.625%
HK$75,243
+HK$3,768/mo
Deposit HK$13.37M · loan HK$13.37M · min. income ≈ HK$142,950/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,136,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,146
−HK$4,587/mo
▼ 0.25% · 3.875%
HK$75,421
−HK$2,312/mo
Today · 4.125%
HK$77,733
baseline
▲ 0.50% · 4.625%
HK$82,462
+HK$4,729/mo
Deposit HK$10.69M · loan HK$16.04M · min. income ≈ HK$155,466/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,136,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,374
−HK$4,396/mo
▼ 0.25% · 3.875%
HK$83,556
−HK$2,214/mo
Today · 4.125%
HK$85,770
baseline
▲ 0.50% · 4.625%
HK$90,291
+HK$4,521/mo
Deposit HK$10.69M · loan HK$16.04M · min. income ≈ HK$171,540/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,136,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,337
−HK$5,351/mo
▼ 0.25% · 3.875%
HK$87,991
−HK$2,697/mo
Today · 4.125%
HK$90,688
baseline
▲ 0.50% · 4.625%
HK$96,206
+HK$5,518/mo
Deposit HK$8.02M · loan HK$18.71M · min. income ≈ HK$181,376/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,136,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,936
−HK$5,129/mo
▼ 0.25% · 3.875%
HK$97,482
−HK$2,583/mo
Today · 4.125%
HK$100,065
baseline
▲ 0.50% · 4.625%
HK$105,340
+HK$5,275/mo
Deposit HK$8.02M · loan HK$18.71M · min. income ≈ HK$200,130/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,136,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,719
−HK$6,880/mo
▼ 0.25% · 3.875%
HK$113,131
−HK$3,468/mo
Today · 4.125%
HK$116,599
baseline
▲ 0.50% · 4.625%
HK$123,694
+HK$7,095/mo
Deposit HK$2.67M · loan HK$24.06M · min. income ≈ HK$233,198/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,136,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,061
−HK$6,594/mo
▼ 0.25% · 3.875%
HK$125,334
−HK$3,321/mo
Today · 4.125%
HK$128,655
baseline
▲ 0.50% · 4.625%
HK$135,437
+HK$6,782/mo
Deposit HK$2.67M · loan HK$24.06M · min. income ≈ HK$257,310/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,136,091 · Scale 2, in force from 26 Feb 2026)