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$60,733
−HK$3,808/mo
▼ 0.25% · 3.875%
HK$62,622
−HK$1,919/mo
Today · 4.125%
HK$64,541
baseline
▲ 0.50% · 4.625%
HK$68,469
+HK$3,928/mo
Deposit HK$13.32M · loan HK$13.32M · min. income ≈ HK$129,082/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,131,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,565
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$69,377
−HK$1,838/mo
Today · 4.125%
HK$71,215
baseline
▲ 0.50% · 4.625%
HK$74,969
+HK$3,754/mo
Deposit HK$13.32M · loan HK$13.32M · min. income ≈ HK$142,430/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,131,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,879
−HK$4,571/mo
▼ 0.25% · 3.875%
HK$75,146
−HK$2,304/mo
Today · 4.125%
HK$77,450
baseline
▲ 0.50% · 4.625%
HK$82,162
+HK$4,712/mo
Deposit HK$10.65M · loan HK$15.98M · min. income ≈ HK$154,900/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,131,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,078
−HK$4,380/mo
▼ 0.25% · 3.875%
HK$83,252
−HK$2,206/mo
Today · 4.125%
HK$85,458
baseline
▲ 0.50% · 4.625%
HK$89,963
+HK$4,505/mo
Deposit HK$10.65M · loan HK$15.98M · min. income ≈ HK$170,916/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,131,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,026
−HK$5,332/mo
▼ 0.25% · 3.875%
HK$87,671
−HK$2,687/mo
Today · 4.125%
HK$90,358
baseline
▲ 0.50% · 4.625%
HK$95,856
+HK$5,498/mo
Deposit HK$7.99M · loan HK$18.64M · min. income ≈ HK$180,716/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,131,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,591
−HK$5,110/mo
▼ 0.25% · 3.875%
HK$97,128
−HK$2,573/mo
Today · 4.125%
HK$99,701
baseline
▲ 0.50% · 4.625%
HK$104,956
+HK$5,255/mo
Deposit HK$7.99M · loan HK$18.64M · min. income ≈ HK$199,402/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,131,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,319
−HK$6,855/mo
▼ 0.25% · 3.875%
HK$112,720
−HK$3,454/mo
Today · 4.125%
HK$116,174
baseline
▲ 0.50% · 4.625%
HK$123,243
+HK$7,069/mo
Deposit HK$2.66M · loan HK$23.97M · min. income ≈ HK$232,348/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,131,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,617
−HK$6,570/mo
▼ 0.25% · 3.875%
HK$124,878
−HK$3,309/mo
Today · 4.125%
HK$128,187
baseline
▲ 0.50% · 4.625%
HK$134,944
+HK$6,757/mo
Deposit HK$2.66M · loan HK$23.97M · min. income ≈ HK$256,374/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,131,956 · Scale 2, in force from 26 Feb 2026)