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$60,687
−HK$3,806/mo
▼ 0.25% · 3.875%
HK$62,575
−HK$1,918/mo
Today · 4.125%
HK$64,493
baseline
▲ 0.50% · 4.625%
HK$68,417
+HK$3,924/mo
Deposit HK$13.31M · loan HK$13.31M · min. income ≈ HK$128,986/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,131,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,514
−HK$3,648/mo
▼ 0.25% · 3.875%
HK$69,325
−HK$1,837/mo
Today · 4.125%
HK$71,162
baseline
▲ 0.50% · 4.625%
HK$74,913
+HK$3,751/mo
Deposit HK$13.31M · loan HK$13.31M · min. income ≈ HK$142,324/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,131,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,825
−HK$4,567/mo
▼ 0.25% · 3.875%
HK$75,090
−HK$2,302/mo
Today · 4.125%
HK$77,392
baseline
▲ 0.50% · 4.625%
HK$82,101
+HK$4,709/mo
Deposit HK$10.65M · loan HK$15.97M · min. income ≈ HK$154,784/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,131,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,017
−HK$4,377/mo
▼ 0.25% · 3.875%
HK$83,190
−HK$2,204/mo
Today · 4.125%
HK$85,394
baseline
▲ 0.50% · 4.625%
HK$89,895
+HK$4,501/mo
Deposit HK$10.65M · loan HK$15.97M · min. income ≈ HK$170,788/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,131,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,962
−HK$5,328/mo
▼ 0.25% · 3.875%
HK$87,605
−HK$2,685/mo
Today · 4.125%
HK$90,290
baseline
▲ 0.50% · 4.625%
HK$95,784
+HK$5,494/mo
Deposit HK$7.98M · loan HK$18.63M · min. income ≈ HK$180,580/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,131,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,520
−HK$5,106/mo
▼ 0.25% · 3.875%
HK$97,055
−HK$2,571/mo
Today · 4.125%
HK$99,626
baseline
▲ 0.50% · 4.625%
HK$104,878
+HK$5,252/mo
Deposit HK$7.98M · loan HK$18.63M · min. income ≈ HK$199,252/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,131,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,237
−HK$6,850/mo
▼ 0.25% · 3.875%
HK$112,635
−HK$3,452/mo
Today · 4.125%
HK$116,087
baseline
▲ 0.50% · 4.625%
HK$123,151
+HK$7,064/mo
Deposit HK$2.66M · loan HK$23.95M · min. income ≈ HK$232,174/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,131,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,525
−HK$6,566/mo
▼ 0.25% · 3.875%
HK$124,785
−HK$3,306/mo
Today · 4.125%
HK$128,091
baseline
▲ 0.50% · 4.625%
HK$134,843
+HK$6,752/mo
Deposit HK$2.66M · loan HK$23.95M · min. income ≈ HK$256,182/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,131,108 · Scale 2, in force from 26 Feb 2026)