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$60,583
−HK$3,799/mo
▼ 0.25% · 3.875%
HK$62,468
−HK$1,914/mo
Today · 4.125%
HK$64,382
baseline
▲ 0.50% · 4.625%
HK$68,300
+HK$3,918/mo
Deposit HK$13.28M · loan HK$13.28M · min. income ≈ HK$128,764/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,129,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,398
−HK$3,642/mo
▼ 0.25% · 3.875%
HK$69,206
−HK$1,834/mo
Today · 4.125%
HK$71,040
baseline
▲ 0.50% · 4.625%
HK$74,784
+HK$3,744/mo
Deposit HK$13.28M · loan HK$13.28M · min. income ≈ HK$142,080/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,129,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,700
−HK$4,559/mo
▼ 0.25% · 3.875%
HK$74,961
−HK$2,298/mo
Today · 4.125%
HK$77,259
baseline
▲ 0.50% · 4.625%
HK$81,960
+HK$4,701/mo
Deposit HK$10.63M · loan HK$15.94M · min. income ≈ HK$154,518/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,129,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,878
−HK$4,370/mo
▼ 0.25% · 3.875%
HK$83,047
−HK$2,201/mo
Today · 4.125%
HK$85,248
baseline
▲ 0.50% · 4.625%
HK$89,741
+HK$4,493/mo
Deposit HK$10.63M · loan HK$15.94M · min. income ≈ HK$170,496/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,129,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,817
−HK$5,318/mo
▼ 0.25% · 3.875%
HK$87,455
−HK$2,680/mo
Today · 4.125%
HK$90,135
baseline
▲ 0.50% · 4.625%
HK$95,620
+HK$5,485/mo
Deposit HK$7.97M · loan HK$18.60M · min. income ≈ HK$180,270/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,129,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,358
−HK$5,097/mo
▼ 0.25% · 3.875%
HK$96,888
−HK$2,567/mo
Today · 4.125%
HK$99,455
baseline
▲ 0.50% · 4.625%
HK$104,698
+HK$5,243/mo
Deposit HK$7.97M · loan HK$18.60M · min. income ≈ HK$198,910/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,129,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,050
−HK$6,838/mo
▼ 0.25% · 3.875%
HK$112,442
−HK$3,446/mo
Today · 4.125%
HK$115,888
baseline
▲ 0.50% · 4.625%
HK$122,940
+HK$7,052/mo
Deposit HK$2.66M · loan HK$23.91M · min. income ≈ HK$231,776/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,129,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,317
−HK$6,554/mo
▼ 0.25% · 3.875%
HK$124,571
−HK$3,300/mo
Today · 4.125%
HK$127,871
baseline
▲ 0.50% · 4.625%
HK$134,612
+HK$6,741/mo
Deposit HK$2.66M · loan HK$23.91M · min. income ≈ HK$255,742/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,129,167 · Scale 2, in force from 26 Feb 2026)