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$60,495
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$62,377
−HK$1,912/mo
Today · 4.125%
HK$64,289
baseline
▲ 0.50% · 4.625%
HK$68,201
+HK$3,912/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$128,578/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,127,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,300
−HK$3,636/mo
▼ 0.25% · 3.875%
HK$69,105
−HK$1,831/mo
Today · 4.125%
HK$70,936
baseline
▲ 0.50% · 4.625%
HK$74,676
+HK$3,740/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$141,872/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,127,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,594
−HK$4,553/mo
▼ 0.25% · 3.875%
HK$74,852
−HK$2,295/mo
Today · 4.125%
HK$77,147
baseline
▲ 0.50% · 4.625%
HK$81,841
+HK$4,694/mo
Deposit HK$10.61M · loan HK$15.92M · min. income ≈ HK$154,294/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,760
−HK$4,364/mo
▼ 0.25% · 3.875%
HK$82,926
−HK$2,198/mo
Today · 4.125%
HK$85,124
baseline
▲ 0.50% · 4.625%
HK$89,611
+HK$4,487/mo
Deposit HK$10.61M · loan HK$15.92M · min. income ≈ HK$170,248/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,693
−HK$5,311/mo
▼ 0.25% · 3.875%
HK$87,328
−HK$2,676/mo
Today · 4.125%
HK$90,004
baseline
▲ 0.50% · 4.625%
HK$95,481
+HK$5,477/mo
Deposit HK$7.96M · loan HK$18.57M · min. income ≈ HK$180,008/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,127,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,220
−HK$5,091/mo
▼ 0.25% · 3.875%
HK$96,747
−HK$2,564/mo
Today · 4.125%
HK$99,311
baseline
▲ 0.50% · 4.625%
HK$104,546
+HK$5,235/mo
Deposit HK$7.96M · loan HK$18.57M · min. income ≈ HK$198,622/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,127,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,891
−HK$6,829/mo
▼ 0.25% · 3.875%
HK$112,279
−HK$3,441/mo
Today · 4.125%
HK$115,720
baseline
▲ 0.50% · 4.625%
HK$122,761
+HK$7,041/mo
Deposit HK$2.65M · loan HK$23.88M · min. income ≈ HK$231,440/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,141
−HK$6,544/mo
▼ 0.25% · 3.875%
HK$124,390
−HK$3,295/mo
Today · 4.125%
HK$127,685
baseline
▲ 0.50% · 4.625%
HK$134,416
+HK$6,731/mo
Deposit HK$2.65M · loan HK$23.88M · min. income ≈ HK$255,370/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,526 · Scale 2, in force from 26 Feb 2026)