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$60,695
−HK$3,806/mo
▼ 0.25% · 3.875%
HK$62,583
−HK$1,918/mo
Today · 4.125%
HK$64,501
baseline
▲ 0.50% · 4.625%
HK$68,426
+HK$3,925/mo
Deposit HK$13.31M · loan HK$13.31M · min. income ≈ HK$129,002/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,131,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,522
−HK$3,648/mo
▼ 0.25% · 3.875%
HK$69,333
−HK$1,837/mo
Today · 4.125%
HK$71,170
baseline
▲ 0.50% · 4.625%
HK$74,922
+HK$3,752/mo
Deposit HK$13.31M · loan HK$13.31M · min. income ≈ HK$142,340/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,131,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,834
−HK$4,567/mo
▼ 0.25% · 3.875%
HK$75,099
−HK$2,302/mo
Today · 4.125%
HK$77,401
baseline
▲ 0.50% · 4.625%
HK$82,111
+HK$4,710/mo
Deposit HK$10.65M · loan HK$15.97M · min. income ≈ HK$154,802/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,131,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,027
−HK$4,377/mo
▼ 0.25% · 3.875%
HK$83,200
−HK$2,204/mo
Today · 4.125%
HK$85,404
baseline
▲ 0.50% · 4.625%
HK$89,906
+HK$4,502/mo
Deposit HK$10.65M · loan HK$15.97M · min. income ≈ HK$170,808/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,131,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,973
−HK$5,328/mo
▼ 0.25% · 3.875%
HK$87,616
−HK$2,685/mo
Today · 4.125%
HK$90,301
baseline
▲ 0.50% · 4.625%
HK$95,796
+HK$5,495/mo
Deposit HK$7.99M · loan HK$18.63M · min. income ≈ HK$180,602/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,131,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,531
−HK$5,107/mo
▼ 0.25% · 3.875%
HK$97,066
−HK$2,572/mo
Today · 4.125%
HK$99,638
baseline
▲ 0.50% · 4.625%
HK$104,890
+HK$5,252/mo
Deposit HK$7.99M · loan HK$18.63M · min. income ≈ HK$199,276/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,131,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,251
−HK$6,850/mo
▼ 0.25% · 3.875%
HK$112,649
−HK$3,452/mo
Today · 4.125%
HK$116,101
baseline
▲ 0.50% · 4.625%
HK$123,166
+HK$7,065/mo
Deposit HK$2.66M · loan HK$23.96M · min. income ≈ HK$232,202/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,131,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,540
−HK$6,567/mo
▼ 0.25% · 3.875%
HK$124,800
−HK$3,307/mo
Today · 4.125%
HK$128,107
baseline
▲ 0.50% · 4.625%
HK$134,859
+HK$6,752/mo
Deposit HK$2.66M · loan HK$23.96M · min. income ≈ HK$256,214/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,131,244 · Scale 2, in force from 26 Feb 2026)