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$60,544
−HK$3,797/mo
▼ 0.25% · 3.875%
HK$62,427
−HK$1,914/mo
Today · 4.125%
HK$64,341
baseline
▲ 0.50% · 4.625%
HK$68,256
+HK$3,915/mo
Deposit HK$13.28M · loan HK$13.28M · min. income ≈ HK$128,682/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,128,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,355
−HK$3,639/mo
▼ 0.25% · 3.875%
HK$69,161
−HK$1,833/mo
Today · 4.125%
HK$70,994
baseline
▲ 0.50% · 4.625%
HK$74,736
+HK$3,742/mo
Deposit HK$13.28M · loan HK$13.28M · min. income ≈ HK$141,988/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,128,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,653
−HK$4,556/mo
▼ 0.25% · 3.875%
HK$74,913
−HK$2,296/mo
Today · 4.125%
HK$77,209
baseline
▲ 0.50% · 4.625%
HK$81,907
+HK$4,698/mo
Deposit HK$10.62M · loan HK$15.93M · min. income ≈ HK$154,418/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,826
−HK$4,366/mo
▼ 0.25% · 3.875%
HK$82,993
−HK$2,199/mo
Today · 4.125%
HK$85,192
baseline
▲ 0.50% · 4.625%
HK$89,683
+HK$4,491/mo
Deposit HK$10.62M · loan HK$15.93M · min. income ≈ HK$170,384/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,762
−HK$5,315/mo
▼ 0.25% · 3.875%
HK$87,398
−HK$2,679/mo
Today · 4.125%
HK$90,077
baseline
▲ 0.50% · 4.625%
HK$95,558
+HK$5,481/mo
Deposit HK$7.97M · loan HK$18.59M · min. income ≈ HK$180,154/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,128,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,297
−HK$5,094/mo
▼ 0.25% · 3.875%
HK$96,826
−HK$2,565/mo
Today · 4.125%
HK$99,391
baseline
▲ 0.50% · 4.625%
HK$104,630
+HK$5,239/mo
Deposit HK$7.97M · loan HK$18.59M · min. income ≈ HK$198,782/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,128,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,979
−HK$6,834/mo
▼ 0.25% · 3.875%
HK$112,369
−HK$3,444/mo
Today · 4.125%
HK$115,813
baseline
▲ 0.50% · 4.625%
HK$122,860
+HK$7,047/mo
Deposit HK$2.66M · loan HK$23.90M · min. income ≈ HK$231,626/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,128,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,238
−HK$6,551/mo
▼ 0.25% · 3.875%
HK$124,490
−HK$3,299/mo
Today · 4.125%
HK$127,789
baseline
▲ 0.50% · 4.625%
HK$134,524
+HK$6,735/mo
Deposit HK$2.66M · loan HK$23.90M · min. income ≈ HK$255,578/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,128,437 · Scale 2, in force from 26 Feb 2026)