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$60,738
−HK$3,808/mo
▼ 0.25% · 3.875%
HK$62,627
−HK$1,919/mo
Today · 4.125%
HK$64,546
baseline
▲ 0.50% · 4.625%
HK$68,474
+HK$3,928/mo
Deposit HK$13.32M · loan HK$13.32M · min. income ≈ HK$129,092/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,132,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,570
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$69,382
−HK$1,838/mo
Today · 4.125%
HK$71,220
baseline
▲ 0.50% · 4.625%
HK$74,975
+HK$3,755/mo
Deposit HK$13.32M · loan HK$13.32M · min. income ≈ HK$142,440/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,132,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,885
−HK$4,571/mo
▼ 0.25% · 3.875%
HK$75,152
−HK$2,304/mo
Today · 4.125%
HK$77,456
baseline
▲ 0.50% · 4.625%
HK$82,169
+HK$4,713/mo
Deposit HK$10.65M · loan HK$15.98M · min. income ≈ HK$154,912/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,132,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,084
−HK$4,381/mo
▼ 0.25% · 3.875%
HK$83,258
−HK$2,207/mo
Today · 4.125%
HK$85,465
baseline
▲ 0.50% · 4.625%
HK$89,970
+HK$4,505/mo
Deposit HK$10.65M · loan HK$15.98M · min. income ≈ HK$170,930/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,132,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,033
−HK$5,332/mo
▼ 0.25% · 3.875%
HK$87,678
−HK$2,687/mo
Today · 4.125%
HK$90,365
baseline
▲ 0.50% · 4.625%
HK$95,863
+HK$5,498/mo
Deposit HK$7.99M · loan HK$18.65M · min. income ≈ HK$180,730/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,132,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,598
−HK$5,111/mo
▼ 0.25% · 3.875%
HK$97,135
−HK$2,574/mo
Today · 4.125%
HK$99,709
baseline
▲ 0.50% · 4.625%
HK$104,964
+HK$5,255/mo
Deposit HK$7.99M · loan HK$18.65M · min. income ≈ HK$199,418/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,132,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,328
−HK$6,855/mo
▼ 0.25% · 3.875%
HK$112,728
−HK$3,455/mo
Today · 4.125%
HK$116,183
baseline
▲ 0.50% · 4.625%
HK$123,253
+HK$7,070/mo
Deposit HK$2.66M · loan HK$23.97M · min. income ≈ HK$232,366/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,132,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,626
−HK$6,571/mo
▼ 0.25% · 3.875%
HK$124,888
−HK$3,309/mo
Today · 4.125%
HK$128,197
baseline
▲ 0.50% · 4.625%
HK$134,954
+HK$6,757/mo
Deposit HK$2.66M · loan HK$23.97M · min. income ≈ HK$256,394/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,132,042 · Scale 2, in force from 26 Feb 2026)