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$60,960
−HK$3,823/mo
▼ 0.25% · 3.875%
HK$62,857
−HK$1,926/mo
Today · 4.125%
HK$64,783
baseline
▲ 0.50% · 4.625%
HK$68,725
+HK$3,942/mo
Deposit HK$13.37M · loan HK$13.37M · min. income ≈ HK$129,566/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,136,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,818
−HK$3,664/mo
▼ 0.25% · 3.875%
HK$69,637
−HK$1,845/mo
Today · 4.125%
HK$71,482
baseline
▲ 0.50% · 4.625%
HK$75,250
+HK$3,768/mo
Deposit HK$13.37M · loan HK$13.37M · min. income ≈ HK$142,964/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,136,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,152
−HK$4,588/mo
▼ 0.25% · 3.875%
HK$75,428
−HK$2,312/mo
Today · 4.125%
HK$77,740
baseline
▲ 0.50% · 4.625%
HK$82,470
+HK$4,730/mo
Deposit HK$10.69M · loan HK$16.04M · min. income ≈ HK$155,480/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,136,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,381
−HK$4,397/mo
▼ 0.25% · 3.875%
HK$83,564
−HK$2,214/mo
Today · 4.125%
HK$85,778
baseline
▲ 0.50% · 4.625%
HK$90,300
+HK$4,522/mo
Deposit HK$10.69M · loan HK$16.04M · min. income ≈ HK$171,556/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,136,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,344
−HK$5,352/mo
▼ 0.25% · 3.875%
HK$87,999
−HK$2,697/mo
Today · 4.125%
HK$90,696
baseline
▲ 0.50% · 4.625%
HK$96,215
+HK$5,519/mo
Deposit HK$8.02M · loan HK$18.71M · min. income ≈ HK$181,392/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,136,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,945
−HK$5,129/mo
▼ 0.25% · 3.875%
HK$97,491
−HK$2,583/mo
Today · 4.125%
HK$100,074
baseline
▲ 0.50% · 4.625%
HK$105,349
+HK$5,275/mo
Deposit HK$8.02M · loan HK$18.71M · min. income ≈ HK$200,148/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,136,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,729
−HK$6,881/mo
▼ 0.25% · 3.875%
HK$113,142
−HK$3,468/mo
Today · 4.125%
HK$116,610
baseline
▲ 0.50% · 4.625%
HK$123,705
+HK$7,095/mo
Deposit HK$2.67M · loan HK$24.06M · min. income ≈ HK$233,220/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,136,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,072
−HK$6,595/mo
▼ 0.25% · 3.875%
HK$125,346
−HK$3,321/mo
Today · 4.125%
HK$128,667
baseline
▲ 0.50% · 4.625%
HK$135,449
+HK$6,782/mo
Deposit HK$2.67M · loan HK$24.06M · min. income ≈ HK$257,334/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,136,194 · Scale 2, in force from 26 Feb 2026)