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$60,667
−HK$3,805/mo
▼ 0.25% · 3.875%
HK$62,555
−HK$1,917/mo
Today · 4.125%
HK$64,472
baseline
▲ 0.50% · 4.625%
HK$68,395
+HK$3,923/mo
Deposit HK$13.30M · loan HK$13.30M · min. income ≈ HK$128,944/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,130,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,492
−HK$3,646/mo
▼ 0.25% · 3.875%
HK$69,302
−HK$1,836/mo
Today · 4.125%
HK$71,138
baseline
▲ 0.50% · 4.625%
HK$74,888
+HK$3,750/mo
Deposit HK$13.30M · loan HK$13.30M · min. income ≈ HK$142,276/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,130,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,801
−HK$4,565/mo
▼ 0.25% · 3.875%
HK$75,066
−HK$2,300/mo
Today · 4.125%
HK$77,366
baseline
▲ 0.50% · 4.625%
HK$82,074
+HK$4,708/mo
Deposit HK$10.64M · loan HK$15.96M · min. income ≈ HK$154,732/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,130,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,990
−HK$4,376/mo
▼ 0.25% · 3.875%
HK$83,162
−HK$2,204/mo
Today · 4.125%
HK$85,366
baseline
▲ 0.50% · 4.625%
HK$89,866
+HK$4,500/mo
Deposit HK$10.64M · loan HK$15.96M · min. income ≈ HK$170,732/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,130,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,934
−HK$5,327/mo
▼ 0.25% · 3.875%
HK$87,576
−HK$2,685/mo
Today · 4.125%
HK$90,261
baseline
▲ 0.50% · 4.625%
HK$95,753
+HK$5,492/mo
Deposit HK$7.98M · loan HK$18.62M · min. income ≈ HK$180,522/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,489
−HK$5,105/mo
▼ 0.25% · 3.875%
HK$97,023
−HK$2,571/mo
Today · 4.125%
HK$99,594
baseline
▲ 0.50% · 4.625%
HK$104,843
+HK$5,249/mo
Deposit HK$7.98M · loan HK$18.62M · min. income ≈ HK$199,188/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,201
−HK$6,848/mo
▼ 0.25% · 3.875%
HK$112,598
−HK$3,451/mo
Today · 4.125%
HK$116,049
baseline
▲ 0.50% · 4.625%
HK$123,111
+HK$7,062/mo
Deposit HK$2.66M · loan HK$23.94M · min. income ≈ HK$232,098/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,486
−HK$6,563/mo
▼ 0.25% · 3.875%
HK$124,744
−HK$3,305/mo
Today · 4.125%
HK$128,049
baseline
▲ 0.50% · 4.625%
HK$134,799
+HK$6,750/mo
Deposit HK$2.66M · loan HK$23.94M · min. income ≈ HK$256,098/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,737 · Scale 2, in force from 26 Feb 2026)