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$60,666
−HK$3,804/mo
▼ 0.25% · 3.875%
HK$62,553
−HK$1,917/mo
Today · 4.125%
HK$64,470
baseline
▲ 0.50% · 4.625%
HK$68,393
+HK$3,923/mo
Deposit HK$13.30M · loan HK$13.30M · min. income ≈ HK$128,940/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,130,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,490
−HK$3,647/mo
▼ 0.25% · 3.875%
HK$69,301
−HK$1,836/mo
Today · 4.125%
HK$71,137
baseline
▲ 0.50% · 4.625%
HK$74,886
+HK$3,749/mo
Deposit HK$13.30M · loan HK$13.30M · min. income ≈ HK$142,274/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,130,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,799
−HK$4,566/mo
▼ 0.25% · 3.875%
HK$75,064
−HK$2,301/mo
Today · 4.125%
HK$77,365
baseline
▲ 0.50% · 4.625%
HK$82,072
+HK$4,707/mo
Deposit HK$10.64M · loan HK$15.96M · min. income ≈ HK$154,730/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,130,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,989
−HK$4,375/mo
▼ 0.25% · 3.875%
HK$83,161
−HK$2,203/mo
Today · 4.125%
HK$85,364
baseline
▲ 0.50% · 4.625%
HK$89,864
+HK$4,500/mo
Deposit HK$10.64M · loan HK$15.96M · min. income ≈ HK$170,728/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,130,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,933
−HK$5,326/mo
▼ 0.25% · 3.875%
HK$87,574
−HK$2,685/mo
Today · 4.125%
HK$90,259
baseline
▲ 0.50% · 4.625%
HK$95,751
+HK$5,492/mo
Deposit HK$7.98M · loan HK$18.62M · min. income ≈ HK$180,518/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,487
−HK$5,104/mo
▼ 0.25% · 3.875%
HK$97,021
−HK$2,570/mo
Today · 4.125%
HK$99,591
baseline
▲ 0.50% · 4.625%
HK$104,841
+HK$5,250/mo
Deposit HK$7.98M · loan HK$18.62M · min. income ≈ HK$199,182/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,199
−HK$6,848/mo
▼ 0.25% · 3.875%
HK$112,596
−HK$3,451/mo
Today · 4.125%
HK$116,047
baseline
▲ 0.50% · 4.625%
HK$123,108
+HK$7,061/mo
Deposit HK$2.66M · loan HK$23.94M · min. income ≈ HK$232,094/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,483
−HK$6,563/mo
▼ 0.25% · 3.875%
HK$124,741
−HK$3,305/mo
Today · 4.125%
HK$128,046
baseline
▲ 0.50% · 4.625%
HK$134,796
+HK$6,750/mo
Deposit HK$2.66M · loan HK$23.94M · min. income ≈ HK$256,092/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,712 · Scale 2, in force from 26 Feb 2026)