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$60,661
−HK$3,804/mo
▼ 0.25% · 3.875%
HK$62,548
−HK$1,917/mo
Today · 4.125%
HK$64,465
baseline
▲ 0.50% · 4.625%
HK$68,387
+HK$3,922/mo
Deposit HK$13.30M · loan HK$13.30M · min. income ≈ HK$128,930/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,130,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,485
−HK$3,646/mo
▼ 0.25% · 3.875%
HK$69,295
−HK$1,836/mo
Today · 4.125%
HK$71,131
baseline
▲ 0.50% · 4.625%
HK$74,880
+HK$3,749/mo
Deposit HK$13.30M · loan HK$13.30M · min. income ≈ HK$142,262/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,130,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,793
−HK$4,565/mo
▼ 0.25% · 3.875%
HK$75,057
−HK$2,301/mo
Today · 4.125%
HK$77,358
baseline
▲ 0.50% · 4.625%
HK$82,065
+HK$4,707/mo
Deposit HK$10.64M · loan HK$15.96M · min. income ≈ HK$154,716/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,130,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,982
−HK$4,375/mo
▼ 0.25% · 3.875%
HK$83,153
−HK$2,204/mo
Today · 4.125%
HK$85,357
baseline
▲ 0.50% · 4.625%
HK$89,856
+HK$4,499/mo
Deposit HK$10.64M · loan HK$15.96M · min. income ≈ HK$170,714/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,130,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,925
−HK$5,326/mo
▼ 0.25% · 3.875%
HK$87,567
−HK$2,684/mo
Today · 4.125%
HK$90,251
baseline
▲ 0.50% · 4.625%
HK$95,742
+HK$5,491/mo
Deposit HK$7.98M · loan HK$18.62M · min. income ≈ HK$180,502/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,478
−HK$5,105/mo
▼ 0.25% · 3.875%
HK$97,012
−HK$2,571/mo
Today · 4.125%
HK$99,583
baseline
▲ 0.50% · 4.625%
HK$104,832
+HK$5,249/mo
Deposit HK$7.98M · loan HK$18.62M · min. income ≈ HK$199,166/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,190
−HK$6,847/mo
▼ 0.25% · 3.875%
HK$112,586
−HK$3,451/mo
Today · 4.125%
HK$116,037
baseline
▲ 0.50% · 4.625%
HK$123,097
+HK$7,060/mo
Deposit HK$2.66M · loan HK$23.94M · min. income ≈ HK$232,074/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,472
−HK$6,563/mo
▼ 0.25% · 3.875%
HK$124,730
−HK$3,305/mo
Today · 4.125%
HK$128,035
baseline
▲ 0.50% · 4.625%
HK$134,784
+HK$6,749/mo
Deposit HK$2.66M · loan HK$23.94M · min. income ≈ HK$256,070/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,613 · Scale 2, in force from 26 Feb 2026)