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$68,388
+HK$3,923/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$1,130,622 · 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$74,881
+HK$3,750/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$1,130,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,794
−HK$4,564/mo
▼ 0.25% · 3.875%
HK$75,058
−HK$2,300/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$1,130,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,982
−HK$4,375/mo
▼ 0.25% · 3.875%
HK$83,154
−HK$2,203/mo
Today · 4.125%
HK$85,357
baseline
▲ 0.50% · 4.625%
HK$89,857
+HK$4,500/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$1,130,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,926
−HK$5,325/mo
▼ 0.25% · 3.875%
HK$87,568
−HK$2,683/mo
Today · 4.125%
HK$90,251
baseline
▲ 0.50% · 4.625%
HK$95,743
+HK$5,492/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$1,130,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,479
−HK$5,105/mo
▼ 0.25% · 3.875%
HK$97,013
−HK$2,571/mo
Today · 4.125%
HK$99,584
baseline
▲ 0.50% · 4.625%
HK$104,833
+HK$5,249/mo
Deposit HK$7.98M · loan HK$18.62M · min. income ≈ HK$199,168/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,190
−HK$6,848/mo
▼ 0.25% · 3.875%
HK$112,587
−HK$3,451/mo
Today · 4.125%
HK$116,038
baseline
▲ 0.50% · 4.625%
HK$123,098
+HK$7,060/mo
Deposit HK$2.66M · loan HK$23.94M · min. income ≈ HK$232,076/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,473
−HK$6,563/mo
▼ 0.25% · 3.875%
HK$124,731
−HK$3,305/mo
Today · 4.125%
HK$128,036
baseline
▲ 0.50% · 4.625%
HK$134,785
+HK$6,749/mo
Deposit HK$2.66M · loan HK$23.94M · min. income ≈ HK$256,072/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,622 · Scale 2, in force from 26 Feb 2026)