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$60,507
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$62,389
−HK$1,912/mo
Today · 4.125%
HK$64,301
baseline
▲ 0.50% · 4.625%
HK$68,214
+HK$3,913/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$128,602/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,127,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,313
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$69,119
−HK$1,831/mo
Today · 4.125%
HK$70,950
baseline
▲ 0.50% · 4.625%
HK$74,690
+HK$3,740/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$141,900/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,127,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,608
−HK$4,553/mo
▼ 0.25% · 3.875%
HK$74,867
−HK$2,294/mo
Today · 4.125%
HK$77,161
baseline
▲ 0.50% · 4.625%
HK$81,857
+HK$4,696/mo
Deposit HK$10.61M · loan HK$15.92M · min. income ≈ HK$154,322/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,776
−HK$4,364/mo
▼ 0.25% · 3.875%
HK$82,942
−HK$2,198/mo
Today · 4.125%
HK$85,140
baseline
▲ 0.50% · 4.625%
HK$89,628
+HK$4,488/mo
Deposit HK$10.61M · loan HK$15.92M · min. income ≈ HK$170,280/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,710
−HK$5,312/mo
▼ 0.25% · 3.875%
HK$87,345
−HK$2,677/mo
Today · 4.125%
HK$90,022
baseline
▲ 0.50% · 4.625%
HK$95,499
+HK$5,477/mo
Deposit HK$7.96M · loan HK$18.57M · min. income ≈ HK$180,044/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,127,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,239
−HK$5,091/mo
▼ 0.25% · 3.875%
HK$96,766
−HK$2,564/mo
Today · 4.125%
HK$99,330
baseline
▲ 0.50% · 4.625%
HK$104,566
+HK$5,236/mo
Deposit HK$7.96M · loan HK$18.57M · min. income ≈ HK$198,660/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,127,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,912
−HK$6,830/mo
▼ 0.25% · 3.875%
HK$112,300
−HK$3,442/mo
Today · 4.125%
HK$115,742
baseline
▲ 0.50% · 4.625%
HK$122,785
+HK$7,043/mo
Deposit HK$2.65M · loan HK$23.88M · min. income ≈ HK$231,484/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,164
−HK$6,546/mo
▼ 0.25% · 3.875%
HK$124,414
−HK$3,296/mo
Today · 4.125%
HK$127,710
baseline
▲ 0.50% · 4.625%
HK$134,442
+HK$6,732/mo
Deposit HK$2.65M · loan HK$23.88M · min. income ≈ HK$255,420/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,744 · Scale 2, in force from 26 Feb 2026)