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$60,717
−HK$3,807/mo
▼ 0.25% · 3.875%
HK$62,605
−HK$1,919/mo
Today · 4.125%
HK$64,524
baseline
▲ 0.50% · 4.625%
HK$68,450
+HK$3,926/mo
Deposit HK$13.31M · loan HK$13.31M · min. income ≈ HK$129,048/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,131,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,547
−HK$3,649/mo
▼ 0.25% · 3.875%
HK$69,358
−HK$1,838/mo
Today · 4.125%
HK$71,196
baseline
▲ 0.50% · 4.625%
HK$74,949
+HK$3,753/mo
Deposit HK$13.31M · loan HK$13.31M · min. income ≈ HK$142,392/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,131,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,860
−HK$4,569/mo
▼ 0.25% · 3.875%
HK$75,126
−HK$2,303/mo
Today · 4.125%
HK$77,429
baseline
▲ 0.50% · 4.625%
HK$82,140
+HK$4,711/mo
Deposit HK$10.65M · loan HK$15.98M · min. income ≈ HK$154,858/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,131,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,056
−HK$4,379/mo
▼ 0.25% · 3.875%
HK$83,230
−HK$2,205/mo
Today · 4.125%
HK$85,435
baseline
▲ 0.50% · 4.625%
HK$89,939
+HK$4,504/mo
Deposit HK$10.65M · loan HK$15.98M · min. income ≈ HK$170,870/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,131,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,003
−HK$5,331/mo
▼ 0.25% · 3.875%
HK$87,648
−HK$2,686/mo
Today · 4.125%
HK$90,334
baseline
▲ 0.50% · 4.625%
HK$95,831
+HK$5,497/mo
Deposit HK$7.99M · loan HK$18.64M · min. income ≈ HK$180,668/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,131,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,565
−HK$5,110/mo
▼ 0.25% · 3.875%
HK$97,102
−HK$2,573/mo
Today · 4.125%
HK$99,675
baseline
▲ 0.50% · 4.625%
HK$104,929
+HK$5,254/mo
Deposit HK$7.99M · loan HK$18.64M · min. income ≈ HK$199,350/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,131,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,290
−HK$6,854/mo
▼ 0.25% · 3.875%
HK$112,690
−HK$3,454/mo
Today · 4.125%
HK$116,144
baseline
▲ 0.50% · 4.625%
HK$123,211
+HK$7,067/mo
Deposit HK$2.66M · loan HK$23.96M · min. income ≈ HK$232,288/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,131,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,584
−HK$6,569/mo
▼ 0.25% · 3.875%
HK$124,845
−HK$3,308/mo
Today · 4.125%
HK$128,153
baseline
▲ 0.50% · 4.625%
HK$134,908
+HK$6,755/mo
Deposit HK$2.66M · loan HK$23.96M · min. income ≈ HK$256,306/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,131,655 · Scale 2, in force from 26 Feb 2026)