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$60,244
−HK$3,777/mo
▼ 0.25% · 3.875%
HK$62,118
−HK$1,903/mo
Today · 4.125%
HK$64,021
baseline
▲ 0.50% · 4.625%
HK$67,917
+HK$3,896/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$128,042/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,122,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,020
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$68,818
−HK$1,823/mo
Today · 4.125%
HK$70,641
baseline
▲ 0.50% · 4.625%
HK$74,365
+HK$3,724/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$141,282/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,122,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,292
−HK$4,534/mo
▼ 0.25% · 3.875%
HK$74,541
−HK$2,285/mo
Today · 4.125%
HK$76,826
baseline
▲ 0.50% · 4.625%
HK$81,500
+HK$4,674/mo
Deposit HK$10.57M · loan HK$15.85M · min. income ≈ HK$153,652/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,122,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,424
−HK$4,346/mo
▼ 0.25% · 3.875%
HK$82,581
−HK$2,189/mo
Today · 4.125%
HK$84,770
baseline
▲ 0.50% · 4.625%
HK$89,238
+HK$4,468/mo
Deposit HK$10.57M · loan HK$15.85M · min. income ≈ HK$169,540/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,122,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,341
−HK$5,289/mo
▼ 0.25% · 3.875%
HK$86,965
−HK$2,665/mo
Today · 4.125%
HK$89,630
baseline
▲ 0.50% · 4.625%
HK$95,084
+HK$5,454/mo
Deposit HK$7.93M · loan HK$18.49M · min. income ≈ HK$179,260/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,122,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,829
−HK$5,069/mo
▼ 0.25% · 3.875%
HK$96,345
−HK$2,553/mo
Today · 4.125%
HK$98,898
baseline
▲ 0.50% · 4.625%
HK$104,111
+HK$5,213/mo
Deposit HK$7.93M · loan HK$18.49M · min. income ≈ HK$197,796/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,122,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,438
−HK$6,801/mo
▼ 0.25% · 3.875%
HK$111,812
−HK$3,427/mo
Today · 4.125%
HK$115,239
baseline
▲ 0.50% · 4.625%
HK$122,251
+HK$7,012/mo
Deposit HK$2.64M · loan HK$23.78M · min. income ≈ HK$230,478/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,637
−HK$6,517/mo
▼ 0.25% · 3.875%
HK$123,872
−HK$3,282/mo
Today · 4.125%
HK$127,154
baseline
▲ 0.50% · 4.625%
HK$133,857
+HK$6,703/mo
Deposit HK$2.64M · loan HK$23.78M · min. income ≈ HK$254,308/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,836 · Scale 2, in force from 26 Feb 2026)