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$60,327
−HK$3,783/mo
▼ 0.25% · 3.875%
HK$62,203
−HK$1,907/mo
Today · 4.125%
HK$64,110
baseline
▲ 0.50% · 4.625%
HK$68,011
+HK$3,901/mo
Deposit HK$13.23M · loan HK$13.23M · min. income ≈ HK$128,220/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,124,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,113
−HK$3,626/mo
▼ 0.25% · 3.875%
HK$68,913
−HK$1,826/mo
Today · 4.125%
HK$70,739
baseline
▲ 0.50% · 4.625%
HK$74,468
+HK$3,729/mo
Deposit HK$13.23M · loan HK$13.23M · min. income ≈ HK$141,478/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,124,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,392
−HK$4,540/mo
▼ 0.25% · 3.875%
HK$74,644
−HK$2,288/mo
Today · 4.125%
HK$76,932
baseline
▲ 0.50% · 4.625%
HK$81,613
+HK$4,681/mo
Deposit HK$10.58M · loan HK$15.87M · min. income ≈ HK$153,864/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,124,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,536
−HK$4,351/mo
▼ 0.25% · 3.875%
HK$82,696
−HK$2,191/mo
Today · 4.125%
HK$84,887
baseline
▲ 0.50% · 4.625%
HK$89,361
+HK$4,474/mo
Deposit HK$10.58M · loan HK$15.87M · min. income ≈ HK$169,774/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,124,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,458
−HK$5,296/mo
▼ 0.25% · 3.875%
HK$87,085
−HK$2,669/mo
Today · 4.125%
HK$89,754
baseline
▲ 0.50% · 4.625%
HK$95,215
+HK$5,461/mo
Deposit HK$7.94M · loan HK$18.52M · min. income ≈ HK$179,508/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,124,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,958
−HK$5,076/mo
▼ 0.25% · 3.875%
HK$96,478
−HK$2,556/mo
Today · 4.125%
HK$99,034
baseline
▲ 0.50% · 4.625%
HK$104,255
+HK$5,221/mo
Deposit HK$7.94M · loan HK$18.52M · min. income ≈ HK$198,068/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,124,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,588
−HK$6,810/mo
▼ 0.25% · 3.875%
HK$111,966
−HK$3,432/mo
Today · 4.125%
HK$115,398
baseline
▲ 0.50% · 4.625%
HK$122,419
+HK$7,021/mo
Deposit HK$2.65M · loan HK$23.81M · min. income ≈ HK$230,796/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,803
−HK$6,527/mo
▼ 0.25% · 3.875%
HK$124,043
−HK$3,287/mo
Today · 4.125%
HK$127,330
baseline
▲ 0.50% · 4.625%
HK$134,042
+HK$6,712/mo
Deposit HK$2.65M · loan HK$23.81M · min. income ≈ HK$254,660/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,388 · Scale 2, in force from 26 Feb 2026)