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$60,989
−HK$3,824/mo
▼ 0.25% · 3.875%
HK$62,886
−HK$1,927/mo
Today · 4.125%
HK$64,813
baseline
▲ 0.50% · 4.625%
HK$68,757
+HK$3,944/mo
Deposit HK$13.37M · loan HK$13.37M · min. income ≈ HK$129,626/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,136,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,849
−HK$3,666/mo
▼ 0.25% · 3.875%
HK$69,669
−HK$1,846/mo
Today · 4.125%
HK$71,515
baseline
▲ 0.50% · 4.625%
HK$75,285
+HK$3,770/mo
Deposit HK$13.37M · loan HK$13.37M · min. income ≈ HK$143,030/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,136,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,187
−HK$4,589/mo
▼ 0.25% · 3.875%
HK$75,463
−HK$2,313/mo
Today · 4.125%
HK$77,776
baseline
▲ 0.50% · 4.625%
HK$82,509
+HK$4,733/mo
Deposit HK$10.70M · loan HK$16.05M · min. income ≈ HK$155,552/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,136,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,419
−HK$4,399/mo
▼ 0.25% · 3.875%
HK$83,603
−HK$2,215/mo
Today · 4.125%
HK$85,818
baseline
▲ 0.50% · 4.625%
HK$90,342
+HK$4,524/mo
Deposit HK$10.70M · loan HK$16.05M · min. income ≈ HK$171,636/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,136,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,384
−HK$5,355/mo
▼ 0.25% · 3.875%
HK$88,040
−HK$2,699/mo
Today · 4.125%
HK$90,739
baseline
▲ 0.50% · 4.625%
HK$96,260
+HK$5,521/mo
Deposit HK$8.02M · loan HK$18.72M · min. income ≈ HK$181,478/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,136,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,989
−HK$5,132/mo
▼ 0.25% · 3.875%
HK$97,537
−HK$2,584/mo
Today · 4.125%
HK$100,121
baseline
▲ 0.50% · 4.625%
HK$105,399
+HK$5,278/mo
Deposit HK$8.02M · loan HK$18.72M · min. income ≈ HK$200,242/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,136,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,780
−HK$6,884/mo
▼ 0.25% · 3.875%
HK$113,195
−HK$3,469/mo
Today · 4.125%
HK$116,664
baseline
▲ 0.50% · 4.625%
HK$123,763
+HK$7,099/mo
Deposit HK$2.67M · loan HK$24.07M · min. income ≈ HK$233,328/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,136,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,129
−HK$6,598/mo
▼ 0.25% · 3.875%
HK$125,404
−HK$3,323/mo
Today · 4.125%
HK$128,727
baseline
▲ 0.50% · 4.625%
HK$135,513
+HK$6,786/mo
Deposit HK$2.67M · loan HK$24.07M · min. income ≈ HK$257,454/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,136,726 · Scale 2, in force from 26 Feb 2026)