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$60,730
−HK$3,809/mo
▼ 0.25% · 3.875%
HK$62,619
−HK$1,920/mo
Today · 4.125%
HK$64,539
baseline
▲ 0.50% · 4.625%
HK$68,466
+HK$3,927/mo
Deposit HK$13.32M · loan HK$13.32M · min. income ≈ HK$129,078/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,131,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,562
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$69,374
−HK$1,838/mo
Today · 4.125%
HK$71,212
baseline
▲ 0.50% · 4.625%
HK$74,966
+HK$3,754/mo
Deposit HK$13.32M · loan HK$13.32M · min. income ≈ HK$142,424/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,131,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,876
−HK$4,570/mo
▼ 0.25% · 3.875%
HK$75,143
−HK$2,303/mo
Today · 4.125%
HK$77,446
baseline
▲ 0.50% · 4.625%
HK$82,159
+HK$4,713/mo
Deposit HK$10.65M · loan HK$15.98M · min. income ≈ HK$154,892/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,131,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,074
−HK$4,381/mo
▼ 0.25% · 3.875%
HK$83,249
−HK$2,206/mo
Today · 4.125%
HK$85,455
baseline
▲ 0.50% · 4.625%
HK$89,959
+HK$4,504/mo
Deposit HK$10.65M · loan HK$15.98M · min. income ≈ HK$170,910/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,131,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,023
−HK$5,331/mo
▼ 0.25% · 3.875%
HK$87,667
−HK$2,687/mo
Today · 4.125%
HK$90,354
baseline
▲ 0.50% · 4.625%
HK$95,852
+HK$5,498/mo
Deposit HK$7.99M · loan HK$18.64M · min. income ≈ HK$180,708/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,131,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,587
−HK$5,110/mo
▼ 0.25% · 3.875%
HK$97,124
−HK$2,573/mo
Today · 4.125%
HK$99,697
baseline
▲ 0.50% · 4.625%
HK$104,952
+HK$5,255/mo
Deposit HK$7.99M · loan HK$18.64M · min. income ≈ HK$199,394/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,131,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,315
−HK$6,855/mo
▼ 0.25% · 3.875%
HK$112,715
−HK$3,455/mo
Today · 4.125%
HK$116,170
baseline
▲ 0.50% · 4.625%
HK$123,238
+HK$7,068/mo
Deposit HK$2.66M · loan HK$23.97M · min. income ≈ HK$232,340/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,131,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,612
−HK$6,570/mo
▼ 0.25% · 3.875%
HK$124,873
−HK$3,309/mo
Today · 4.125%
HK$128,182
baseline
▲ 0.50% · 4.625%
HK$134,938
+HK$6,756/mo
Deposit HK$2.66M · loan HK$23.97M · min. income ≈ HK$256,364/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,131,909 · Scale 2, in force from 26 Feb 2026)