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$60,764
−HK$3,810/mo
▼ 0.25% · 3.875%
HK$62,654
−HK$1,920/mo
Today · 4.125%
HK$64,574
baseline
▲ 0.50% · 4.625%
HK$68,503
+HK$3,929/mo
Deposit HK$13.32M · loan HK$13.32M · min. income ≈ HK$129,148/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,132,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,599
−HK$3,652/mo
▼ 0.25% · 3.875%
HK$69,412
−HK$1,839/mo
Today · 4.125%
HK$71,251
baseline
▲ 0.50% · 4.625%
HK$75,007
+HK$3,756/mo
Deposit HK$13.32M · loan HK$13.32M · min. income ≈ HK$142,502/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,132,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,916
−HK$4,573/mo
▼ 0.25% · 3.875%
HK$75,184
−HK$2,305/mo
Today · 4.125%
HK$77,489
baseline
▲ 0.50% · 4.625%
HK$82,204
+HK$4,715/mo
Deposit HK$10.66M · loan HK$15.99M · min. income ≈ HK$154,978/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,132,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,119
−HK$4,382/mo
▼ 0.25% · 3.875%
HK$83,294
−HK$2,207/mo
Today · 4.125%
HK$85,501
baseline
▲ 0.50% · 4.625%
HK$90,008
+HK$4,507/mo
Deposit HK$10.66M · loan HK$15.99M · min. income ≈ HK$171,002/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,132,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,069
−HK$5,334/mo
▼ 0.25% · 3.875%
HK$87,715
−HK$2,688/mo
Today · 4.125%
HK$90,403
baseline
▲ 0.50% · 4.625%
HK$95,904
+HK$5,501/mo
Deposit HK$7.99M · loan HK$18.65M · min. income ≈ HK$180,806/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$1,132,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,638
−HK$5,113/mo
▼ 0.25% · 3.875%
HK$97,176
−HK$2,575/mo
Today · 4.125%
HK$99,751
baseline
▲ 0.50% · 4.625%
HK$105,009
+HK$5,258/mo
Deposit HK$7.99M · loan HK$18.65M · min. income ≈ HK$199,502/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$1,132,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,374
−HK$6,859/mo
▼ 0.25% · 3.875%
HK$112,776
−HK$3,457/mo
Today · 4.125%
HK$116,233
baseline
▲ 0.50% · 4.625%
HK$123,306
+HK$7,073/mo
Deposit HK$2.66M · loan HK$23.98M · min. income ≈ HK$232,466/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,132,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,678
−HK$6,574/mo
▼ 0.25% · 3.875%
HK$124,941
−HK$3,311/mo
Today · 4.125%
HK$128,252
baseline
▲ 0.50% · 4.625%
HK$135,012
+HK$6,760/mo
Deposit HK$2.66M · loan HK$23.98M · min. income ≈ HK$256,504/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,132,526 · Scale 2, in force from 26 Feb 2026)