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$60,962
−HK$3,823/mo
▼ 0.25% · 3.875%
HK$62,858
−HK$1,927/mo
Today · 4.125%
HK$64,785
baseline
▲ 0.50% · 4.625%
HK$68,727
+HK$3,942/mo
Deposit HK$13.37M · loan HK$13.37M · min. income ≈ HK$129,570/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,136,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,819
−HK$3,664/mo
▼ 0.25% · 3.875%
HK$69,638
−HK$1,845/mo
Today · 4.125%
HK$71,483
baseline
▲ 0.50% · 4.625%
HK$75,251
+HK$3,768/mo
Deposit HK$13.37M · loan HK$13.37M · min. income ≈ HK$142,966/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,136,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,154
−HK$4,588/mo
▼ 0.25% · 3.875%
HK$75,430
−HK$2,312/mo
Today · 4.125%
HK$77,742
baseline
▲ 0.50% · 4.625%
HK$82,472
+HK$4,730/mo
Deposit HK$10.69M · loan HK$16.04M · min. income ≈ HK$155,484/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,136,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,383
−HK$4,397/mo
▼ 0.25% · 3.875%
HK$83,566
−HK$2,214/mo
Today · 4.125%
HK$85,780
baseline
▲ 0.50% · 4.625%
HK$90,302
+HK$4,522/mo
Deposit HK$10.69M · loan HK$16.04M · min. income ≈ HK$171,560/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,136,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,346
−HK$5,352/mo
▼ 0.25% · 3.875%
HK$88,001
−HK$2,697/mo
Today · 4.125%
HK$90,698
baseline
▲ 0.50% · 4.625%
HK$96,217
+HK$5,519/mo
Deposit HK$8.02M · loan HK$18.71M · min. income ≈ HK$181,396/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,136,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,947
−HK$5,130/mo
▼ 0.25% · 3.875%
HK$97,494
−HK$2,583/mo
Today · 4.125%
HK$100,077
baseline
▲ 0.50% · 4.625%
HK$105,352
+HK$5,275/mo
Deposit HK$8.02M · loan HK$18.71M · min. income ≈ HK$200,154/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,136,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,731
−HK$6,881/mo
▼ 0.25% · 3.875%
HK$113,144
−HK$3,468/mo
Today · 4.125%
HK$116,612
baseline
▲ 0.50% · 4.625%
HK$123,708
+HK$7,096/mo
Deposit HK$2.67M · loan HK$24.06M · min. income ≈ HK$233,224/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,136,221 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,075
−HK$6,595/mo
▼ 0.25% · 3.875%
HK$125,349
−HK$3,321/mo
Today · 4.125%
HK$128,670
baseline
▲ 0.50% · 4.625%
HK$135,453
+HK$6,783/mo
Deposit HK$2.67M · loan HK$24.06M · min. income ≈ HK$257,340/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,136,221 · Scale 2, in force from 26 Feb 2026)