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$60,562
−HK$3,798/mo
▼ 0.25% · 3.875%
HK$62,446
−HK$1,914/mo
Today · 4.125%
HK$64,360
baseline
▲ 0.50% · 4.625%
HK$68,276
+HK$3,916/mo
Deposit HK$13.28M · loan HK$13.28M · min. income ≈ HK$128,720/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,128,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,374
−HK$3,640/mo
▼ 0.25% · 3.875%
HK$69,181
−HK$1,833/mo
Today · 4.125%
HK$71,014
baseline
▲ 0.50% · 4.625%
HK$74,758
+HK$3,744/mo
Deposit HK$13.28M · loan HK$13.28M · min. income ≈ HK$142,028/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,128,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,674
−HK$4,558/mo
▼ 0.25% · 3.875%
HK$74,935
−HK$2,297/mo
Today · 4.125%
HK$77,232
baseline
▲ 0.50% · 4.625%
HK$81,931
+HK$4,699/mo
Deposit HK$10.62M · loan HK$15.94M · min. income ≈ HK$154,464/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,849
−HK$4,368/mo
▼ 0.25% · 3.875%
HK$83,018
−HK$2,199/mo
Today · 4.125%
HK$85,217
baseline
▲ 0.50% · 4.625%
HK$89,709
+HK$4,492/mo
Deposit HK$10.62M · loan HK$15.94M · min. income ≈ HK$170,434/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,787
−HK$5,316/mo
▼ 0.25% · 3.875%
HK$87,424
−HK$2,679/mo
Today · 4.125%
HK$90,103
baseline
▲ 0.50% · 4.625%
HK$95,586
+HK$5,483/mo
Deposit HK$7.97M · loan HK$18.59M · min. income ≈ HK$180,206/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,128,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,324
−HK$5,096/mo
▼ 0.25% · 3.875%
HK$96,854
−HK$2,566/mo
Today · 4.125%
HK$99,420
baseline
▲ 0.50% · 4.625%
HK$104,661
+HK$5,241/mo
Deposit HK$7.97M · loan HK$18.59M · min. income ≈ HK$198,840/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,128,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,011
−HK$6,836/mo
▼ 0.25% · 3.875%
HK$112,402
−HK$3,445/mo
Today · 4.125%
HK$115,847
baseline
▲ 0.50% · 4.625%
HK$122,896
+HK$7,049/mo
Deposit HK$2.66M · loan HK$23.90M · min. income ≈ HK$231,694/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,128,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,274
−HK$6,552/mo
▼ 0.25% · 3.875%
HK$124,527
−HK$3,299/mo
Today · 4.125%
HK$127,826
baseline
▲ 0.50% · 4.625%
HK$134,564
+HK$6,738/mo
Deposit HK$2.66M · loan HK$23.90M · min. income ≈ HK$255,652/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,128,768 · Scale 2, in force from 26 Feb 2026)