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$60,967
−HK$3,824/mo
▼ 0.25% · 3.875%
HK$62,864
−HK$1,927/mo
Today · 4.125%
HK$64,791
baseline
▲ 0.50% · 4.625%
HK$68,733
+HK$3,942/mo
Deposit HK$13.37M · loan HK$13.37M · min. income ≈ HK$129,582/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,136,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,826
−HK$3,664/mo
▼ 0.25% · 3.875%
HK$69,645
−HK$1,845/mo
Today · 4.125%
HK$71,490
baseline
▲ 0.50% · 4.625%
HK$75,258
+HK$3,768/mo
Deposit HK$13.37M · loan HK$13.37M · min. income ≈ HK$142,980/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,136,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,161
−HK$4,588/mo
▼ 0.25% · 3.875%
HK$75,437
−HK$2,312/mo
Today · 4.125%
HK$77,749
baseline
▲ 0.50% · 4.625%
HK$82,480
+HK$4,731/mo
Deposit HK$10.69M · loan HK$16.04M · min. income ≈ HK$155,498/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,136,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,391
−HK$4,397/mo
▼ 0.25% · 3.875%
HK$83,574
−HK$2,214/mo
Today · 4.125%
HK$85,788
baseline
▲ 0.50% · 4.625%
HK$90,310
+HK$4,522/mo
Deposit HK$10.69M · loan HK$16.04M · min. income ≈ HK$171,576/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,136,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,354
−HK$5,353/mo
▼ 0.25% · 3.875%
HK$88,009
−HK$2,698/mo
Today · 4.125%
HK$90,707
baseline
▲ 0.50% · 4.625%
HK$96,226
+HK$5,519/mo
Deposit HK$8.02M · loan HK$18.72M · min. income ≈ HK$181,414/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,136,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,956
−HK$5,130/mo
▼ 0.25% · 3.875%
HK$97,503
−HK$2,583/mo
Today · 4.125%
HK$100,086
baseline
▲ 0.50% · 4.625%
HK$105,362
+HK$5,276/mo
Deposit HK$8.02M · loan HK$18.72M · min. income ≈ HK$200,172/mo (50% DSR)
Upfront cash ≈ HK$9.16M (deposit + AVD stamp duty HK$1,136,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,741
−HK$6,882/mo
▼ 0.25% · 3.875%
HK$113,155
−HK$3,468/mo
Today · 4.125%
HK$116,623
baseline
▲ 0.50% · 4.625%
HK$123,719
+HK$7,096/mo
Deposit HK$2.67M · loan HK$24.06M · min. income ≈ HK$233,246/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,136,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,086
−HK$6,596/mo
▼ 0.25% · 3.875%
HK$125,361
−HK$3,321/mo
Today · 4.125%
HK$128,682
baseline
▲ 0.50% · 4.625%
HK$135,465
+HK$6,783/mo
Deposit HK$2.67M · loan HK$24.06M · min. income ≈ HK$257,364/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$1,136,327 · Scale 2, in force from 26 Feb 2026)