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$60,649
−HK$3,803/mo
▼ 0.25% · 3.875%
HK$62,535
−HK$1,917/mo
Today · 4.125%
HK$64,452
baseline
▲ 0.50% · 4.625%
HK$68,374
+HK$3,922/mo
Deposit HK$13.30M · loan HK$13.30M · min. income ≈ HK$128,904/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,130,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,471
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$69,281
−HK$1,835/mo
Today · 4.125%
HK$71,116
baseline
▲ 0.50% · 4.625%
HK$74,865
+HK$3,749/mo
Deposit HK$13.30M · loan HK$13.30M · min. income ≈ HK$142,232/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,130,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,778
−HK$4,564/mo
▼ 0.25% · 3.875%
HK$75,042
−HK$2,300/mo
Today · 4.125%
HK$77,342
baseline
▲ 0.50% · 4.625%
HK$82,048
+HK$4,706/mo
Deposit HK$10.64M · loan HK$15.96M · min. income ≈ HK$154,684/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,130,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,965
−HK$4,375/mo
▼ 0.25% · 3.875%
HK$83,137
−HK$2,203/mo
Today · 4.125%
HK$85,340
baseline
▲ 0.50% · 4.625%
HK$89,838
+HK$4,498/mo
Deposit HK$10.64M · loan HK$15.96M · min. income ≈ HK$170,680/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,130,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,908
−HK$5,325/mo
▼ 0.25% · 3.875%
HK$87,549
−HK$2,684/mo
Today · 4.125%
HK$90,233
baseline
▲ 0.50% · 4.625%
HK$95,723
+HK$5,490/mo
Deposit HK$7.98M · loan HK$18.62M · min. income ≈ HK$180,466/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,459
−HK$5,104/mo
▼ 0.25% · 3.875%
HK$96,993
−HK$2,570/mo
Today · 4.125%
HK$99,563
baseline
▲ 0.50% · 4.625%
HK$104,811
+HK$5,248/mo
Deposit HK$7.98M · loan HK$18.62M · min. income ≈ HK$199,126/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,168
−HK$6,845/mo
▼ 0.25% · 3.875%
HK$112,563
−HK$3,450/mo
Today · 4.125%
HK$116,013
baseline
▲ 0.50% · 4.625%
HK$123,073
+HK$7,060/mo
Deposit HK$2.66M · loan HK$23.94M · min. income ≈ HK$232,026/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,448
−HK$6,561/mo
▼ 0.25% · 3.875%
HK$124,705
−HK$3,304/mo
Today · 4.125%
HK$128,009
baseline
▲ 0.50% · 4.625%
HK$134,757
+HK$6,748/mo
Deposit HK$2.66M · loan HK$23.94M · min. income ≈ HK$256,018/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,386 · Scale 2, in force from 26 Feb 2026)