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$60,374
−HK$3,786/mo
▼ 0.25% · 3.875%
HK$62,252
−HK$1,908/mo
Today · 4.125%
HK$64,160
baseline
▲ 0.50% · 4.625%
HK$68,064
+HK$3,904/mo
Deposit HK$13.24M · loan HK$13.24M · min. income ≈ HK$128,320/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,125,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,165
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$68,966
−HK$1,828/mo
Today · 4.125%
HK$70,794
baseline
▲ 0.50% · 4.625%
HK$74,525
+HK$3,731/mo
Deposit HK$13.24M · loan HK$13.24M · min. income ≈ HK$141,588/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,125,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,448
−HK$4,543/mo
▼ 0.25% · 3.875%
HK$74,702
−HK$2,289/mo
Today · 4.125%
HK$76,991
baseline
▲ 0.50% · 4.625%
HK$81,676
+HK$4,685/mo
Deposit HK$10.59M · loan HK$15.89M · min. income ≈ HK$153,982/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,125,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,598
−HK$4,354/mo
▼ 0.25% · 3.875%
HK$82,760
−HK$2,192/mo
Today · 4.125%
HK$84,952
baseline
▲ 0.50% · 4.625%
HK$89,430
+HK$4,478/mo
Deposit HK$10.59M · loan HK$15.89M · min. income ≈ HK$169,904/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,125,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,523
−HK$5,300/mo
▼ 0.25% · 3.875%
HK$87,152
−HK$2,671/mo
Today · 4.125%
HK$89,823
baseline
▲ 0.50% · 4.625%
HK$95,289
+HK$5,466/mo
Deposit HK$7.94M · loan HK$18.53M · min. income ≈ HK$179,646/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,031
−HK$5,080/mo
▼ 0.25% · 3.875%
HK$96,553
−HK$2,558/mo
Today · 4.125%
HK$99,111
baseline
▲ 0.50% · 4.625%
HK$104,336
+HK$5,225/mo
Deposit HK$7.94M · loan HK$18.53M · min. income ≈ HK$198,222/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,672
−HK$6,815/mo
▼ 0.25% · 3.875%
HK$112,053
−HK$3,434/mo
Today · 4.125%
HK$115,487
baseline
▲ 0.50% · 4.625%
HK$122,514
+HK$7,027/mo
Deposit HK$2.65M · loan HK$23.83M · min. income ≈ HK$230,974/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,125,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,897
−HK$6,532/mo
▼ 0.25% · 3.875%
HK$124,139
−HK$3,290/mo
Today · 4.125%
HK$127,429
baseline
▲ 0.50% · 4.625%
HK$134,146
+HK$6,717/mo
Deposit HK$2.65M · loan HK$23.83M · min. income ≈ HK$254,858/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,125,259 · Scale 2, in force from 26 Feb 2026)