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$60,707
−HK$3,807/mo
▼ 0.25% · 3.875%
HK$62,596
−HK$1,918/mo
Today · 4.125%
HK$64,514
baseline
▲ 0.50% · 4.625%
HK$68,440
+HK$3,926/mo
Deposit HK$13.31M · loan HK$13.31M · min. income ≈ HK$129,028/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,131,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,536
−HK$3,649/mo
▼ 0.25% · 3.875%
HK$69,348
−HK$1,837/mo
Today · 4.125%
HK$71,185
baseline
▲ 0.50% · 4.625%
HK$74,938
+HK$3,753/mo
Deposit HK$13.31M · loan HK$13.31M · min. income ≈ HK$142,370/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,131,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,849
−HK$4,568/mo
▼ 0.25% · 3.875%
HK$75,115
−HK$2,302/mo
Today · 4.125%
HK$77,417
baseline
▲ 0.50% · 4.625%
HK$82,128
+HK$4,711/mo
Deposit HK$10.65M · loan HK$15.97M · min. income ≈ HK$154,834/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,131,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,044
−HK$4,378/mo
▼ 0.25% · 3.875%
HK$83,217
−HK$2,205/mo
Today · 4.125%
HK$85,422
baseline
▲ 0.50% · 4.625%
HK$89,925
+HK$4,503/mo
Deposit HK$10.65M · loan HK$15.97M · min. income ≈ HK$170,844/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,131,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,990
−HK$5,330/mo
▼ 0.25% · 3.875%
HK$87,634
−HK$2,686/mo
Today · 4.125%
HK$90,320
baseline
▲ 0.50% · 4.625%
HK$95,816
+HK$5,496/mo
Deposit HK$7.99M · loan HK$18.64M · min. income ≈ HK$180,640/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,131,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,551
−HK$5,108/mo
▼ 0.25% · 3.875%
HK$97,087
−HK$2,572/mo
Today · 4.125%
HK$99,659
baseline
▲ 0.50% · 4.625%
HK$104,913
+HK$5,254/mo
Deposit HK$7.99M · loan HK$18.64M · min. income ≈ HK$199,318/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,131,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,273
−HK$6,853/mo
▼ 0.25% · 3.875%
HK$112,672
−HK$3,454/mo
Today · 4.125%
HK$116,126
baseline
▲ 0.50% · 4.625%
HK$123,192
+HK$7,066/mo
Deposit HK$2.66M · loan HK$23.96M · min. income ≈ HK$232,252/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,131,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,566
−HK$6,567/mo
▼ 0.25% · 3.875%
HK$124,826
−HK$3,307/mo
Today · 4.125%
HK$128,133
baseline
▲ 0.50% · 4.625%
HK$134,888
+HK$6,755/mo
Deposit HK$2.66M · loan HK$23.96M · min. income ≈ HK$256,266/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,131,482 · Scale 2, in force from 26 Feb 2026)