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$60,662
−HK$3,804/mo
▼ 0.25% · 3.875%
HK$62,549
−HK$1,917/mo
Today · 4.125%
HK$64,466
baseline
▲ 0.50% · 4.625%
HK$68,389
+HK$3,923/mo
Deposit HK$13.30M · loan HK$13.30M · min. income ≈ HK$128,932/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,130,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,486
−HK$3,646/mo
▼ 0.25% · 3.875%
HK$69,296
−HK$1,836/mo
Today · 4.125%
HK$71,132
baseline
▲ 0.50% · 4.625%
HK$74,882
+HK$3,750/mo
Deposit HK$13.30M · loan HK$13.30M · min. income ≈ HK$142,264/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,130,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,795
−HK$4,565/mo
▼ 0.25% · 3.875%
HK$75,059
−HK$2,301/mo
Today · 4.125%
HK$77,360
baseline
▲ 0.50% · 4.625%
HK$82,067
+HK$4,707/mo
Deposit HK$10.64M · loan HK$15.96M · min. income ≈ HK$154,720/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,130,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,983
−HK$4,376/mo
▼ 0.25% · 3.875%
HK$83,155
−HK$2,204/mo
Today · 4.125%
HK$85,359
baseline
▲ 0.50% · 4.625%
HK$89,858
+HK$4,499/mo
Deposit HK$10.64M · loan HK$15.96M · min. income ≈ HK$170,718/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,130,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,927
−HK$5,326/mo
▼ 0.25% · 3.875%
HK$87,569
−HK$2,684/mo
Today · 4.125%
HK$90,253
baseline
▲ 0.50% · 4.625%
HK$95,745
+HK$5,492/mo
Deposit HK$7.98M · loan HK$18.62M · min. income ≈ HK$180,506/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,481
−HK$5,104/mo
▼ 0.25% · 3.875%
HK$97,015
−HK$2,570/mo
Today · 4.125%
HK$99,585
baseline
▲ 0.50% · 4.625%
HK$104,834
+HK$5,249/mo
Deposit HK$7.98M · loan HK$18.62M · min. income ≈ HK$199,170/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,192
−HK$6,847/mo
▼ 0.25% · 3.875%
HK$112,589
−HK$3,450/mo
Today · 4.125%
HK$116,039
baseline
▲ 0.50% · 4.625%
HK$123,100
+HK$7,061/mo
Deposit HK$2.66M · loan HK$23.94M · min. income ≈ HK$232,078/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,475
−HK$6,563/mo
▼ 0.25% · 3.875%
HK$124,733
−HK$3,305/mo
Today · 4.125%
HK$128,038
baseline
▲ 0.50% · 4.625%
HK$134,787
+HK$6,749/mo
Deposit HK$2.66M · loan HK$23.94M · min. income ≈ HK$256,076/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,639 · Scale 2, in force from 26 Feb 2026)