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$60,706
−HK$3,807/mo
▼ 0.25% · 3.875%
HK$62,595
−HK$1,918/mo
Today · 4.125%
HK$64,513
baseline
▲ 0.50% · 4.625%
HK$68,439
+HK$3,926/mo
Deposit HK$13.31M · loan HK$13.31M · min. income ≈ HK$129,026/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,131,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,535
−HK$3,649/mo
▼ 0.25% · 3.875%
HK$69,347
−HK$1,837/mo
Today · 4.125%
HK$71,184
baseline
▲ 0.50% · 4.625%
HK$74,936
+HK$3,752/mo
Deposit HK$13.31M · loan HK$13.31M · min. income ≈ HK$142,368/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,131,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,848
−HK$4,568/mo
▼ 0.25% · 3.875%
HK$75,114
−HK$2,302/mo
Today · 4.125%
HK$77,416
baseline
▲ 0.50% · 4.625%
HK$82,127
+HK$4,711/mo
Deposit HK$10.65M · loan HK$15.97M · min. income ≈ HK$154,832/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,131,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,042
−HK$4,379/mo
▼ 0.25% · 3.875%
HK$83,216
−HK$2,205/mo
Today · 4.125%
HK$85,421
baseline
▲ 0.50% · 4.625%
HK$89,924
+HK$4,503/mo
Deposit HK$10.65M · loan HK$15.97M · min. income ≈ HK$170,842/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,131,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,989
−HK$5,330/mo
▼ 0.25% · 3.875%
HK$87,633
−HK$2,686/mo
Today · 4.125%
HK$90,319
baseline
▲ 0.50% · 4.625%
HK$95,814
+HK$5,495/mo
Deposit HK$7.99M · loan HK$18.64M · min. income ≈ HK$180,638/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,131,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,550
−HK$5,108/mo
▼ 0.25% · 3.875%
HK$97,085
−HK$2,573/mo
Today · 4.125%
HK$99,658
baseline
▲ 0.50% · 4.625%
HK$104,911
+HK$5,253/mo
Deposit HK$7.99M · loan HK$18.64M · min. income ≈ HK$199,316/mo (50% DSR)
Upfront cash ≈ HK$9.12M (deposit + AVD stamp duty HK$1,131,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,272
−HK$6,852/mo
▼ 0.25% · 3.875%
HK$112,671
−HK$3,453/mo
Today · 4.125%
HK$116,124
baseline
▲ 0.50% · 4.625%
HK$123,190
+HK$7,066/mo
Deposit HK$2.66M · loan HK$23.96M · min. income ≈ HK$232,248/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,131,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,564
−HK$6,567/mo
▼ 0.25% · 3.875%
HK$124,824
−HK$3,307/mo
Today · 4.125%
HK$128,131
baseline
▲ 0.50% · 4.625%
HK$134,885
+HK$6,754/mo
Deposit HK$2.66M · loan HK$23.96M · min. income ≈ HK$256,262/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,131,464 · Scale 2, in force from 26 Feb 2026)