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$60,973
−HK$3,824/mo
▼ 0.25% · 3.875%
HK$62,870
−HK$1,927/mo
Today · 4.125%
HK$64,797
baseline
▲ 0.50% · 4.625%
HK$68,740
+HK$3,943/mo
Deposit HK$13.37M · loan HK$13.37M · min. income ≈ HK$129,594/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,136,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,832
−HK$3,665/mo
▼ 0.25% · 3.875%
HK$69,651
−HK$1,846/mo
Today · 4.125%
HK$71,497
baseline
▲ 0.50% · 4.625%
HK$75,266
+HK$3,769/mo
Deposit HK$13.37M · loan HK$13.37M · min. income ≈ HK$142,994/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,136,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,168
−HK$4,588/mo
▼ 0.25% · 3.875%
HK$75,444
−HK$2,312/mo
Today · 4.125%
HK$77,756
baseline
▲ 0.50% · 4.625%
HK$82,487
+HK$4,731/mo
Deposit HK$10.70M · loan HK$16.04M · min. income ≈ HK$155,512/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,136,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,399
−HK$4,397/mo
▼ 0.25% · 3.875%
HK$83,582
−HK$2,214/mo
Today · 4.125%
HK$85,796
baseline
▲ 0.50% · 4.625%
HK$90,319
+HK$4,523/mo
Deposit HK$10.70M · loan HK$16.04M · min. income ≈ HK$171,592/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,136,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,363
−HK$5,353/mo
▼ 0.25% · 3.875%
HK$88,018
−HK$2,698/mo
Today · 4.125%
HK$90,716
baseline
▲ 0.50% · 4.625%
HK$96,235
+HK$5,519/mo
Deposit HK$8.02M · loan HK$18.72M · min. income ≈ HK$181,432/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,136,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,965
−HK$5,131/mo
▼ 0.25% · 3.875%
HK$97,512
−HK$2,584/mo
Today · 4.125%
HK$100,096
baseline
▲ 0.50% · 4.625%
HK$105,372
+HK$5,276/mo
Deposit HK$8.02M · loan HK$18.72M · min. income ≈ HK$200,192/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,136,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,752
−HK$6,882/mo
▼ 0.25% · 3.875%
HK$113,166
−HK$3,468/mo
Today · 4.125%
HK$116,634
baseline
▲ 0.50% · 4.625%
HK$123,731
+HK$7,097/mo
Deposit HK$2.67M · loan HK$24.07M · min. income ≈ HK$233,268/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,136,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,098
−HK$6,596/mo
▼ 0.25% · 3.875%
HK$125,372
−HK$3,322/mo
Today · 4.125%
HK$128,694
baseline
▲ 0.50% · 4.625%
HK$135,478
+HK$6,784/mo
Deposit HK$2.67M · loan HK$24.07M · min. income ≈ HK$257,388/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,136,436 · Scale 2, in force from 26 Feb 2026)