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$60,611
−HK$3,801/mo
▼ 0.25% · 3.875%
HK$62,497
−HK$1,915/mo
Today · 4.125%
HK$64,412
baseline
▲ 0.50% · 4.625%
HK$68,332
+HK$3,920/mo
Deposit HK$13.29M · loan HK$13.29M · min. income ≈ HK$128,824/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,129,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,430
−HK$3,643/mo
▼ 0.25% · 3.875%
HK$69,238
−HK$1,835/mo
Today · 4.125%
HK$71,073
baseline
▲ 0.50% · 4.625%
HK$74,819
+HK$3,746/mo
Deposit HK$13.29M · loan HK$13.29M · min. income ≈ HK$142,146/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,129,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,734
−HK$4,561/mo
▼ 0.25% · 3.875%
HK$74,996
−HK$2,299/mo
Today · 4.125%
HK$77,295
baseline
▲ 0.50% · 4.625%
HK$81,998
+HK$4,703/mo
Deposit HK$10.63M · loan HK$15.95M · min. income ≈ HK$154,590/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,129,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,916
−HK$4,371/mo
▼ 0.25% · 3.875%
HK$83,086
−HK$2,201/mo
Today · 4.125%
HK$85,287
baseline
▲ 0.50% · 4.625%
HK$89,783
+HK$4,496/mo
Deposit HK$10.63M · loan HK$15.95M · min. income ≈ HK$170,574/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,129,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,856
−HK$5,321/mo
▼ 0.25% · 3.875%
HK$87,496
−HK$2,681/mo
Today · 4.125%
HK$90,177
baseline
▲ 0.50% · 4.625%
HK$95,664
+HK$5,487/mo
Deposit HK$7.97M · loan HK$18.61M · min. income ≈ HK$180,354/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,129,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,401
−HK$5,101/mo
▼ 0.25% · 3.875%
HK$96,933
−HK$2,569/mo
Today · 4.125%
HK$99,502
baseline
▲ 0.50% · 4.625%
HK$104,747
+HK$5,245/mo
Deposit HK$7.97M · loan HK$18.61M · min. income ≈ HK$199,004/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,129,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,101
−HK$6,841/mo
▼ 0.25% · 3.875%
HK$112,494
−HK$3,448/mo
Today · 4.125%
HK$115,942
baseline
▲ 0.50% · 4.625%
HK$122,997
+HK$7,055/mo
Deposit HK$2.66M · loan HK$23.92M · min. income ≈ HK$231,884/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,129,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,373
−HK$6,558/mo
▼ 0.25% · 3.875%
HK$124,628
−HK$3,303/mo
Today · 4.125%
HK$127,931
baseline
▲ 0.50% · 4.625%
HK$134,674
+HK$6,743/mo
Deposit HK$2.66M · loan HK$23.92M · min. income ≈ HK$255,862/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,129,692 · Scale 2, in force from 26 Feb 2026)