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$60,149
−HK$3,772/mo
▼ 0.25% · 3.875%
HK$62,020
−HK$1,901/mo
Today · 4.125%
HK$63,921
baseline
▲ 0.50% · 4.625%
HK$67,810
+HK$3,889/mo
Deposit HK$13.19M · loan HK$13.19M · min. income ≈ HK$127,842/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,121,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,915
−HK$3,615/mo
▼ 0.25% · 3.875%
HK$68,710
−HK$1,820/mo
Today · 4.125%
HK$70,530
baseline
▲ 0.50% · 4.625%
HK$74,248
+HK$3,718/mo
Deposit HK$13.19M · loan HK$13.19M · min. income ≈ HK$141,060/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,121,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,179
−HK$4,526/mo
▼ 0.25% · 3.875%
HK$74,424
−HK$2,281/mo
Today · 4.125%
HK$76,705
baseline
▲ 0.50% · 4.625%
HK$81,372
+HK$4,667/mo
Deposit HK$10.55M · loan HK$15.83M · min. income ≈ HK$153,410/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,121,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,298
−HK$4,338/mo
▼ 0.25% · 3.875%
HK$82,452
−HK$2,184/mo
Today · 4.125%
HK$84,636
baseline
▲ 0.50% · 4.625%
HK$89,098
+HK$4,462/mo
Deposit HK$10.55M · loan HK$15.83M · min. income ≈ HK$169,272/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,121,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,209
−HK$5,280/mo
▼ 0.25% · 3.875%
HK$86,828
−HK$2,661/mo
Today · 4.125%
HK$89,489
baseline
▲ 0.50% · 4.625%
HK$94,934
+HK$5,445/mo
Deposit HK$7.91M · loan HK$18.46M · min. income ≈ HK$178,978/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,121,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,681
−HK$5,062/mo
▼ 0.25% · 3.875%
HK$96,194
−HK$2,549/mo
Today · 4.125%
HK$98,743
baseline
▲ 0.50% · 4.625%
HK$103,947
+HK$5,204/mo
Deposit HK$7.91M · loan HK$18.46M · min. income ≈ HK$197,486/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,121,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,268
−HK$6,790/mo
▼ 0.25% · 3.875%
HK$111,636
−HK$3,422/mo
Today · 4.125%
HK$115,058
baseline
▲ 0.50% · 4.625%
HK$122,059
+HK$7,001/mo
Deposit HK$2.64M · loan HK$23.74M · min. income ≈ HK$230,116/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,447
−HK$6,508/mo
▼ 0.25% · 3.875%
HK$123,678
−HK$3,277/mo
Today · 4.125%
HK$126,955
baseline
▲ 0.50% · 4.625%
HK$133,647
+HK$6,692/mo
Deposit HK$2.64M · loan HK$23.74M · min. income ≈ HK$253,910/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,073 · Scale 2, in force from 26 Feb 2026)