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$60,638
−HK$3,803/mo
▼ 0.25% · 3.875%
HK$62,525
−HK$1,916/mo
Today · 4.125%
HK$64,441
baseline
▲ 0.50% · 4.625%
HK$68,362
+HK$3,921/mo
Deposit HK$13.30M · loan HK$13.30M · min. income ≈ HK$128,882/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,130,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,460
−HK$3,644/mo
▼ 0.25% · 3.875%
HK$69,269
−HK$1,835/mo
Today · 4.125%
HK$71,104
baseline
▲ 0.50% · 4.625%
HK$74,852
+HK$3,748/mo
Deposit HK$13.30M · loan HK$13.30M · min. income ≈ HK$142,208/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,130,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,766
−HK$4,563/mo
▼ 0.25% · 3.875%
HK$75,030
−HK$2,299/mo
Today · 4.125%
HK$77,329
baseline
▲ 0.50% · 4.625%
HK$82,035
+HK$4,706/mo
Deposit HK$10.64M · loan HK$15.96M · min. income ≈ HK$154,658/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,130,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,952
−HK$4,373/mo
▼ 0.25% · 3.875%
HK$83,123
−HK$2,202/mo
Today · 4.125%
HK$85,325
baseline
▲ 0.50% · 4.625%
HK$89,823
+HK$4,498/mo
Deposit HK$10.64M · loan HK$15.96M · min. income ≈ HK$170,650/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,130,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,894
−HK$5,323/mo
▼ 0.25% · 3.875%
HK$87,535
−HK$2,682/mo
Today · 4.125%
HK$90,217
baseline
▲ 0.50% · 4.625%
HK$95,707
+HK$5,490/mo
Deposit HK$7.98M · loan HK$18.61M · min. income ≈ HK$180,434/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,444
−HK$5,102/mo
▼ 0.25% · 3.875%
HK$96,977
−HK$2,569/mo
Today · 4.125%
HK$99,546
baseline
▲ 0.50% · 4.625%
HK$104,793
+HK$5,247/mo
Deposit HK$7.98M · loan HK$18.61M · min. income ≈ HK$199,092/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,149
−HK$6,845/mo
▼ 0.25% · 3.875%
HK$112,544
−HK$3,450/mo
Today · 4.125%
HK$115,994
baseline
▲ 0.50% · 4.625%
HK$123,052
+HK$7,058/mo
Deposit HK$2.66M · loan HK$23.93M · min. income ≈ HK$231,988/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,427
−HK$6,561/mo
▼ 0.25% · 3.875%
HK$124,684
−HK$3,304/mo
Today · 4.125%
HK$127,988
baseline
▲ 0.50% · 4.625%
HK$134,734
+HK$6,746/mo
Deposit HK$2.66M · loan HK$23.93M · min. income ≈ HK$255,976/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,196 · Scale 2, in force from 26 Feb 2026)