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$60,576
−HK$3,799/mo
▼ 0.25% · 3.875%
HK$62,461
−HK$1,914/mo
Today · 4.125%
HK$64,375
baseline
▲ 0.50% · 4.625%
HK$68,292
+HK$3,917/mo
Deposit HK$13.28M · loan HK$13.28M · min. income ≈ HK$128,750/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,129,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,391
−HK$3,640/mo
▼ 0.25% · 3.875%
HK$69,198
−HK$1,833/mo
Today · 4.125%
HK$71,031
baseline
▲ 0.50% · 4.625%
HK$74,776
+HK$3,745/mo
Deposit HK$13.28M · loan HK$13.28M · min. income ≈ HK$142,062/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,129,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,692
−HK$4,558/mo
▼ 0.25% · 3.875%
HK$74,953
−HK$2,297/mo
Today · 4.125%
HK$77,250
baseline
▲ 0.50% · 4.625%
HK$81,951
+HK$4,701/mo
Deposit HK$10.63M · loan HK$15.94M · min. income ≈ HK$154,500/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,129,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,869
−HK$4,369/mo
▼ 0.25% · 3.875%
HK$83,038
−HK$2,200/mo
Today · 4.125%
HK$85,238
baseline
▲ 0.50% · 4.625%
HK$89,731
+HK$4,493/mo
Deposit HK$10.63M · loan HK$15.94M · min. income ≈ HK$170,476/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,129,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,807
−HK$5,318/mo
▼ 0.25% · 3.875%
HK$87,445
−HK$2,680/mo
Today · 4.125%
HK$90,125
baseline
▲ 0.50% · 4.625%
HK$95,609
+HK$5,484/mo
Deposit HK$7.97M · loan HK$18.60M · min. income ≈ HK$180,250/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,129,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,347
−HK$5,097/mo
▼ 0.25% · 3.875%
HK$96,877
−HK$2,567/mo
Today · 4.125%
HK$99,444
baseline
▲ 0.50% · 4.625%
HK$104,686
+HK$5,242/mo
Deposit HK$7.97M · loan HK$18.60M · min. income ≈ HK$198,888/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,129,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,037
−HK$6,838/mo
▼ 0.25% · 3.875%
HK$112,429
−HK$3,446/mo
Today · 4.125%
HK$115,875
baseline
▲ 0.50% · 4.625%
HK$122,926
+HK$7,051/mo
Deposit HK$2.66M · loan HK$23.91M · min. income ≈ HK$231,750/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,129,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,303
−HK$6,554/mo
▼ 0.25% · 3.875%
HK$124,556
−HK$3,301/mo
Today · 4.125%
HK$127,857
baseline
▲ 0.50% · 4.625%
HK$134,596
+HK$6,739/mo
Deposit HK$2.66M · loan HK$23.91M · min. income ≈ HK$255,714/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,129,038 · Scale 2, in force from 26 Feb 2026)