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$60,744
−HK$3,809/mo
▼ 0.25% · 3.875%
HK$62,634
−HK$1,919/mo
Today · 4.125%
HK$64,553
baseline
▲ 0.50% · 4.625%
HK$68,481
+HK$3,928/mo
Deposit HK$13.32M · loan HK$13.32M · min. income ≈ HK$129,106/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,132,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,577
−HK$3,651/mo
▼ 0.25% · 3.875%
HK$69,390
−HK$1,838/mo
Today · 4.125%
HK$71,228
baseline
▲ 0.50% · 4.625%
HK$74,983
+HK$3,755/mo
Deposit HK$13.32M · loan HK$13.32M · min. income ≈ HK$142,456/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,132,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,893
−HK$4,571/mo
▼ 0.25% · 3.875%
HK$75,160
−HK$2,304/mo
Today · 4.125%
HK$77,464
baseline
▲ 0.50% · 4.625%
HK$82,178
+HK$4,714/mo
Deposit HK$10.66M · loan HK$15.98M · min. income ≈ HK$154,928/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,132,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,093
−HK$4,381/mo
▼ 0.25% · 3.875%
HK$83,268
−HK$2,206/mo
Today · 4.125%
HK$85,474
baseline
▲ 0.50% · 4.625%
HK$89,979
+HK$4,505/mo
Deposit HK$10.66M · loan HK$15.98M · min. income ≈ HK$170,948/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,132,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,042
−HK$5,333/mo
▼ 0.25% · 3.875%
HK$87,687
−HK$2,688/mo
Today · 4.125%
HK$90,375
baseline
▲ 0.50% · 4.625%
HK$95,874
+HK$5,499/mo
Deposit HK$7.99M · loan HK$18.65M · min. income ≈ HK$180,750/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,132,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,608
−HK$5,112/mo
▼ 0.25% · 3.875%
HK$97,146
−HK$2,574/mo
Today · 4.125%
HK$99,720
baseline
▲ 0.50% · 4.625%
HK$104,976
+HK$5,256/mo
Deposit HK$7.99M · loan HK$18.65M · min. income ≈ HK$199,440/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,132,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,340
−HK$6,856/mo
▼ 0.25% · 3.875%
HK$112,741
−HK$3,455/mo
Today · 4.125%
HK$116,196
baseline
▲ 0.50% · 4.625%
HK$123,266
+HK$7,070/mo
Deposit HK$2.66M · loan HK$23.98M · min. income ≈ HK$232,392/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,132,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,639
−HK$6,572/mo
▼ 0.25% · 3.875%
HK$124,902
−HK$3,309/mo
Today · 4.125%
HK$128,211
baseline
▲ 0.50% · 4.625%
HK$134,969
+HK$6,758/mo
Deposit HK$2.66M · loan HK$23.98M · min. income ≈ HK$256,422/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,132,167 · Scale 2, in force from 26 Feb 2026)