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$60,763
−HK$3,810/mo
▼ 0.25% · 3.875%
HK$62,653
−HK$1,920/mo
Today · 4.125%
HK$64,573
baseline
▲ 0.50% · 4.625%
HK$68,502
+HK$3,929/mo
Deposit HK$13.32M · loan HK$13.32M · min. income ≈ HK$129,146/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,132,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,598
−HK$3,652/mo
▼ 0.25% · 3.875%
HK$69,411
−HK$1,839/mo
Today · 4.125%
HK$71,250
baseline
▲ 0.50% · 4.625%
HK$75,006
+HK$3,756/mo
Deposit HK$13.32M · loan HK$13.32M · min. income ≈ HK$142,500/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,132,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,916
−HK$4,572/mo
▼ 0.25% · 3.875%
HK$75,184
−HK$2,304/mo
Today · 4.125%
HK$77,488
baseline
▲ 0.50% · 4.625%
HK$82,203
+HK$4,715/mo
Deposit HK$10.66M · loan HK$15.99M · min. income ≈ HK$154,976/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,132,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,118
−HK$4,382/mo
▼ 0.25% · 3.875%
HK$83,293
−HK$2,207/mo
Today · 4.125%
HK$85,500
baseline
▲ 0.50% · 4.625%
HK$90,007
+HK$4,507/mo
Deposit HK$10.66M · loan HK$15.99M · min. income ≈ HK$171,000/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,132,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,068
−HK$5,335/mo
▼ 0.25% · 3.875%
HK$87,714
−HK$2,689/mo
Today · 4.125%
HK$90,403
baseline
▲ 0.50% · 4.625%
HK$95,903
+HK$5,500/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$1,132,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,637
−HK$5,113/mo
▼ 0.25% · 3.875%
HK$97,176
−HK$2,574/mo
Today · 4.125%
HK$99,750
baseline
▲ 0.50% · 4.625%
HK$105,008
+HK$5,258/mo
Deposit HK$7.99M · loan HK$18.65M · min. income ≈ HK$199,500/mo (50% DSR)
Upfront cash ≈ HK$9.13M (deposit + AVD stamp duty HK$1,132,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,373
−HK$6,859/mo
▼ 0.25% · 3.875%
HK$112,775
−HK$3,457/mo
Today · 4.125%
HK$116,232
baseline
▲ 0.50% · 4.625%
HK$123,304
+HK$7,072/mo
Deposit HK$2.66M · loan HK$23.98M · min. income ≈ HK$232,464/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,132,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,677
−HK$6,574/mo
▼ 0.25% · 3.875%
HK$124,940
−HK$3,311/mo
Today · 4.125%
HK$128,251
baseline
▲ 0.50% · 4.625%
HK$135,011
+HK$6,760/mo
Deposit HK$2.66M · loan HK$23.98M · min. income ≈ HK$256,502/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$1,132,516 · Scale 2, in force from 26 Feb 2026)