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$60,529
−HK$3,796/mo
▼ 0.25% · 3.875%
HK$62,412
−HK$1,913/mo
Today · 4.125%
HK$64,325
baseline
▲ 0.50% · 4.625%
HK$68,239
+HK$3,914/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$128,650/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,128,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,338
−HK$3,638/mo
▼ 0.25% · 3.875%
HK$69,144
−HK$1,832/mo
Today · 4.125%
HK$70,976
baseline
▲ 0.50% · 4.625%
HK$74,718
+HK$3,742/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$141,952/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,128,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,635
−HK$4,555/mo
▼ 0.25% · 3.875%
HK$74,895
−HK$2,295/mo
Today · 4.125%
HK$77,190
baseline
▲ 0.50% · 4.625%
HK$81,887
+HK$4,697/mo
Deposit HK$10.62M · loan HK$15.93M · min. income ≈ HK$154,380/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,806
−HK$4,366/mo
▼ 0.25% · 3.875%
HK$82,973
−HK$2,199/mo
Today · 4.125%
HK$85,172
baseline
▲ 0.50% · 4.625%
HK$89,661
+HK$4,489/mo
Deposit HK$10.62M · loan HK$15.93M · min. income ≈ HK$170,344/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,741
−HK$5,314/mo
▼ 0.25% · 3.875%
HK$87,377
−HK$2,678/mo
Today · 4.125%
HK$90,055
baseline
▲ 0.50% · 4.625%
HK$95,535
+HK$5,480/mo
Deposit HK$7.96M · loan HK$18.58M · min. income ≈ HK$180,110/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,128,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,274
−HK$5,093/mo
▼ 0.25% · 3.875%
HK$96,802
−HK$2,565/mo
Today · 4.125%
HK$99,367
baseline
▲ 0.50% · 4.625%
HK$104,605
+HK$5,238/mo
Deposit HK$7.96M · loan HK$18.58M · min. income ≈ HK$198,734/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,128,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,953
−HK$6,832/mo
▼ 0.25% · 3.875%
HK$112,342
−HK$3,443/mo
Today · 4.125%
HK$115,785
baseline
▲ 0.50% · 4.625%
HK$122,830
+HK$7,045/mo
Deposit HK$2.65M · loan HK$23.89M · min. income ≈ HK$231,570/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,128,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,209
−HK$6,548/mo
▼ 0.25% · 3.875%
HK$124,460
−HK$3,297/mo
Today · 4.125%
HK$127,757
baseline
▲ 0.50% · 4.625%
HK$134,492
+HK$6,735/mo
Deposit HK$2.65M · loan HK$23.89M · min. income ≈ HK$255,514/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,128,161 · Scale 2, in force from 26 Feb 2026)