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$60,761
−HK$3,810/mo
▼ 0.25% · 3.875%
HK$62,651
−HK$1,920/mo
Today · 4.125%
HK$64,571
baseline
▲ 0.50% · 4.625%
HK$68,500
+HK$3,929/mo
Deposit HK$13.32M · loan HK$13.32M · min. income ≈ HK$129,142/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,132,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,596
−HK$3,652/mo
▼ 0.25% · 3.875%
HK$69,409
−HK$1,839/mo
Today · 4.125%
HK$71,248
baseline
▲ 0.50% · 4.625%
HK$75,003
+HK$3,755/mo
Deposit HK$13.32M · loan HK$13.32M · min. income ≈ HK$142,496/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,132,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,913
−HK$4,572/mo
▼ 0.25% · 3.875%
HK$75,181
−HK$2,304/mo
Today · 4.125%
HK$77,485
baseline
▲ 0.50% · 4.625%
HK$82,200
+HK$4,715/mo
Deposit HK$10.66M · loan HK$15.99M · min. income ≈ HK$154,970/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,132,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,115
−HK$4,382/mo
▼ 0.25% · 3.875%
HK$83,290
−HK$2,207/mo
Today · 4.125%
HK$85,497
baseline
▲ 0.50% · 4.625%
HK$90,004
+HK$4,507/mo
Deposit HK$10.66M · loan HK$15.99M · min. income ≈ HK$170,994/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,132,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,065
−HK$5,334/mo
▼ 0.25% · 3.875%
HK$87,711
−HK$2,688/mo
Today · 4.125%
HK$90,399
baseline
▲ 0.50% · 4.625%
HK$95,900
+HK$5,501/mo
Deposit HK$7.99M · loan HK$18.65M · min. income ≈ HK$180,798/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$1,132,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,634
−HK$5,113/mo
▼ 0.25% · 3.875%
HK$97,172
−HK$2,575/mo
Today · 4.125%
HK$99,747
baseline
▲ 0.50% · 4.625%
HK$105,005
+HK$5,258/mo
Deposit HK$7.99M · loan HK$18.65M · min. income ≈ HK$199,494/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$1,132,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,369
−HK$6,859/mo
▼ 0.25% · 3.875%
HK$112,771
−HK$3,457/mo
Today · 4.125%
HK$116,228
baseline
▲ 0.50% · 4.625%
HK$123,300
+HK$7,072/mo
Deposit HK$2.66M · loan HK$23.98M · min. income ≈ HK$232,456/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,132,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,672
−HK$6,574/mo
▼ 0.25% · 3.875%
HK$124,935
−HK$3,311/mo
Today · 4.125%
HK$128,246
baseline
▲ 0.50% · 4.625%
HK$135,006
+HK$6,760/mo
Deposit HK$2.66M · loan HK$23.98M · min. income ≈ HK$256,492/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,132,475 · Scale 2, in force from 26 Feb 2026)