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$60,156
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$62,028
−HK$1,901/mo
Today · 4.125%
HK$63,929
baseline
▲ 0.50% · 4.625%
HK$67,819
+HK$3,890/mo
Deposit HK$13.19M · loan HK$13.19M · min. income ≈ HK$127,858/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,121,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,923
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$68,718
−HK$1,821/mo
Today · 4.125%
HK$70,539
baseline
▲ 0.50% · 4.625%
HK$74,257
+HK$3,718/mo
Deposit HK$13.19M · loan HK$13.19M · min. income ≈ HK$141,078/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,121,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,188
−HK$4,527/mo
▼ 0.25% · 3.875%
HK$74,433
−HK$2,282/mo
Today · 4.125%
HK$76,715
baseline
▲ 0.50% · 4.625%
HK$81,382
+HK$4,667/mo
Deposit HK$10.55M · loan HK$15.83M · min. income ≈ HK$153,430/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,121,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,308
−HK$4,339/mo
▼ 0.25% · 3.875%
HK$82,462
−HK$2,185/mo
Today · 4.125%
HK$84,647
baseline
▲ 0.50% · 4.625%
HK$89,109
+HK$4,462/mo
Deposit HK$10.55M · loan HK$15.83M · min. income ≈ HK$169,294/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,121,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,219
−HK$5,281/mo
▼ 0.25% · 3.875%
HK$86,839
−HK$2,661/mo
Today · 4.125%
HK$89,500
baseline
▲ 0.50% · 4.625%
HK$94,946
+HK$5,446/mo
Deposit HK$7.91M · loan HK$18.47M · min. income ≈ HK$179,000/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,121,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,693
−HK$5,062/mo
▼ 0.25% · 3.875%
HK$96,206
−HK$2,549/mo
Today · 4.125%
HK$98,755
baseline
▲ 0.50% · 4.625%
HK$103,960
+HK$5,205/mo
Deposit HK$7.91M · loan HK$18.47M · min. income ≈ HK$197,510/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,121,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,282
−HK$6,790/mo
▼ 0.25% · 3.875%
HK$111,650
−HK$3,422/mo
Today · 4.125%
HK$115,072
baseline
▲ 0.50% · 4.625%
HK$122,074
+HK$7,002/mo
Deposit HK$2.64M · loan HK$23.74M · min. income ≈ HK$230,144/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,462
−HK$6,508/mo
▼ 0.25% · 3.875%
HK$123,693
−HK$3,277/mo
Today · 4.125%
HK$126,970
baseline
▲ 0.50% · 4.625%
HK$133,663
+HK$6,693/mo
Deposit HK$2.64M · loan HK$23.74M · min. income ≈ HK$253,940/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,212 · Scale 2, in force from 26 Feb 2026)