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$60,751
−HK$3,809/mo
▼ 0.25% · 3.875%
HK$62,641
−HK$1,919/mo
Today · 4.125%
HK$64,560
baseline
▲ 0.50% · 4.625%
HK$68,489
+HK$3,929/mo
Deposit HK$13.32M · loan HK$13.32M · min. income ≈ HK$129,120/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,132,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,585
−HK$3,651/mo
▼ 0.25% · 3.875%
HK$69,397
−HK$1,839/mo
Today · 4.125%
HK$71,236
baseline
▲ 0.50% · 4.625%
HK$74,991
+HK$3,755/mo
Deposit HK$13.32M · loan HK$13.32M · min. income ≈ HK$142,472/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,132,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,901
−HK$4,572/mo
▼ 0.25% · 3.875%
HK$75,169
−HK$2,304/mo
Today · 4.125%
HK$77,473
baseline
▲ 0.50% · 4.625%
HK$82,187
+HK$4,714/mo
Deposit HK$10.66M · loan HK$15.99M · min. income ≈ HK$154,946/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,132,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,102
−HK$4,381/mo
▼ 0.25% · 3.875%
HK$83,277
−HK$2,206/mo
Today · 4.125%
HK$85,483
baseline
▲ 0.50% · 4.625%
HK$89,989
+HK$4,506/mo
Deposit HK$10.66M · loan HK$15.99M · min. income ≈ HK$170,966/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,132,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,051
−HK$5,334/mo
▼ 0.25% · 3.875%
HK$87,697
−HK$2,688/mo
Today · 4.125%
HK$90,385
baseline
▲ 0.50% · 4.625%
HK$95,884
+HK$5,499/mo
Deposit HK$7.99M · loan HK$18.65M · min. income ≈ HK$180,770/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,132,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,619
−HK$5,112/mo
▼ 0.25% · 3.875%
HK$97,156
−HK$2,575/mo
Today · 4.125%
HK$99,731
baseline
▲ 0.50% · 4.625%
HK$104,987
+HK$5,256/mo
Deposit HK$7.99M · loan HK$18.65M · min. income ≈ HK$199,462/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,132,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,352
−HK$6,857/mo
▼ 0.25% · 3.875%
HK$112,753
−HK$3,456/mo
Today · 4.125%
HK$116,209
baseline
▲ 0.50% · 4.625%
HK$123,280
+HK$7,071/mo
Deposit HK$2.66M · loan HK$23.98M · min. income ≈ HK$232,418/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,132,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,652
−HK$6,573/mo
▼ 0.25% · 3.875%
HK$124,915
−HK$3,310/mo
Today · 4.125%
HK$128,225
baseline
▲ 0.50% · 4.625%
HK$134,984
+HK$6,759/mo
Deposit HK$2.66M · loan HK$23.98M · min. income ≈ HK$256,450/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,132,290 · Scale 2, in force from 26 Feb 2026)