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$60,586
−HK$3,799/mo
▼ 0.25% · 3.875%
HK$62,470
−HK$1,915/mo
Today · 4.125%
HK$64,385
baseline
▲ 0.50% · 4.625%
HK$68,302
+HK$3,917/mo
Deposit HK$13.28M · loan HK$13.28M · min. income ≈ HK$128,770/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,129,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,401
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$69,208
−HK$1,834/mo
Today · 4.125%
HK$71,042
baseline
▲ 0.50% · 4.625%
HK$74,787
+HK$3,745/mo
Deposit HK$13.28M · loan HK$13.28M · min. income ≈ HK$142,084/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,129,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,703
−HK$4,559/mo
▼ 0.25% · 3.875%
HK$74,964
−HK$2,298/mo
Today · 4.125%
HK$77,262
baseline
▲ 0.50% · 4.625%
HK$81,963
+HK$4,701/mo
Deposit HK$10.63M · loan HK$15.94M · min. income ≈ HK$154,524/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,129,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,881
−HK$4,370/mo
▼ 0.25% · 3.875%
HK$83,050
−HK$2,201/mo
Today · 4.125%
HK$85,251
baseline
▲ 0.50% · 4.625%
HK$89,744
+HK$4,493/mo
Deposit HK$10.63M · loan HK$15.94M · min. income ≈ HK$170,502/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,129,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,820
−HK$5,319/mo
▼ 0.25% · 3.875%
HK$87,458
−HK$2,681/mo
Today · 4.125%
HK$90,139
baseline
▲ 0.50% · 4.625%
HK$95,623
+HK$5,484/mo
Deposit HK$7.97M · loan HK$18.60M · min. income ≈ HK$180,278/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,129,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,361
−HK$5,098/mo
▼ 0.25% · 3.875%
HK$96,892
−HK$2,567/mo
Today · 4.125%
HK$99,459
baseline
▲ 0.50% · 4.625%
HK$104,702
+HK$5,243/mo
Deposit HK$7.97M · loan HK$18.60M · min. income ≈ HK$198,918/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,129,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,054
−HK$6,839/mo
▼ 0.25% · 3.875%
HK$112,446
−HK$3,447/mo
Today · 4.125%
HK$115,893
baseline
▲ 0.50% · 4.625%
HK$122,944
+HK$7,051/mo
Deposit HK$2.66M · loan HK$23.91M · min. income ≈ HK$231,786/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,129,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,321
−HK$6,555/mo
▼ 0.25% · 3.875%
HK$124,575
−HK$3,301/mo
Today · 4.125%
HK$127,876
baseline
▲ 0.50% · 4.625%
HK$134,617
+HK$6,741/mo
Deposit HK$2.66M · loan HK$23.91M · min. income ≈ HK$255,752/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,129,209 · Scale 2, in force from 26 Feb 2026)