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$60,215
−HK$3,776/mo
▼ 0.25% · 3.875%
HK$62,088
−HK$1,903/mo
Today · 4.125%
HK$63,991
baseline
▲ 0.50% · 4.625%
HK$67,885
+HK$3,894/mo
Deposit HK$13.20M · loan HK$13.20M · min. income ≈ HK$127,982/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,122,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,989
−HK$3,619/mo
▼ 0.25% · 3.875%
HK$68,786
−HK$1,822/mo
Today · 4.125%
HK$70,608
baseline
▲ 0.50% · 4.625%
HK$74,330
+HK$3,722/mo
Deposit HK$13.20M · loan HK$13.20M · min. income ≈ HK$141,216/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,122,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,259
−HK$4,531/mo
▼ 0.25% · 3.875%
HK$74,506
−HK$2,284/mo
Today · 4.125%
HK$76,790
baseline
▲ 0.50% · 4.625%
HK$81,462
+HK$4,672/mo
Deposit HK$10.56M · loan HK$15.84M · min. income ≈ HK$153,580/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,122,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,387
−HK$4,343/mo
▼ 0.25% · 3.875%
HK$82,543
−HK$2,187/mo
Today · 4.125%
HK$84,730
baseline
▲ 0.50% · 4.625%
HK$89,196
+HK$4,466/mo
Deposit HK$10.56M · loan HK$15.84M · min. income ≈ HK$169,460/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,122,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,302
−HK$5,286/mo
▼ 0.25% · 3.875%
HK$86,924
−HK$2,664/mo
Today · 4.125%
HK$89,588
baseline
▲ 0.50% · 4.625%
HK$95,039
+HK$5,451/mo
Deposit HK$7.92M · loan HK$18.49M · min. income ≈ HK$179,176/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,122,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,785
−HK$5,067/mo
▼ 0.25% · 3.875%
HK$96,300
−HK$2,552/mo
Today · 4.125%
HK$98,852
baseline
▲ 0.50% · 4.625%
HK$104,062
+HK$5,210/mo
Deposit HK$7.92M · loan HK$18.49M · min. income ≈ HK$197,704/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,122,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,388
−HK$6,797/mo
▼ 0.25% · 3.875%
HK$111,759
−HK$3,426/mo
Today · 4.125%
HK$115,185
baseline
▲ 0.50% · 4.625%
HK$122,193
+HK$7,008/mo
Deposit HK$2.64M · loan HK$23.77M · min. income ≈ HK$230,370/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,580
−HK$6,515/mo
▼ 0.25% · 3.875%
HK$123,814
−HK$3,281/mo
Today · 4.125%
HK$127,095
baseline
▲ 0.50% · 4.625%
HK$133,794
+HK$6,699/mo
Deposit HK$2.64M · loan HK$23.77M · min. income ≈ HK$254,190/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,311 · Scale 2, in force from 26 Feb 2026)