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$60,467
−HK$3,792/mo
▼ 0.25% · 3.875%
HK$62,348
−HK$1,911/mo
Today · 4.125%
HK$64,259
baseline
▲ 0.50% · 4.625%
HK$68,169
+HK$3,910/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$128,518/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,127,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,269
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$69,073
−HK$1,831/mo
Today · 4.125%
HK$70,904
baseline
▲ 0.50% · 4.625%
HK$74,641
+HK$3,737/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$141,808/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,127,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,561
−HK$4,550/mo
▼ 0.25% · 3.875%
HK$74,818
−HK$2,293/mo
Today · 4.125%
HK$77,111
baseline
▲ 0.50% · 4.625%
HK$81,803
+HK$4,692/mo
Deposit HK$10.61M · loan HK$15.91M · min. income ≈ HK$154,222/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,127,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,723
−HK$4,361/mo
▼ 0.25% · 3.875%
HK$82,888
−HK$2,196/mo
Today · 4.125%
HK$85,084
baseline
▲ 0.50% · 4.625%
HK$89,569
+HK$4,485/mo
Deposit HK$10.61M · loan HK$15.91M · min. income ≈ HK$170,168/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,127,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,654
−HK$5,309/mo
▼ 0.25% · 3.875%
HK$87,287
−HK$2,676/mo
Today · 4.125%
HK$89,963
baseline
▲ 0.50% · 4.625%
HK$95,437
+HK$5,474/mo
Deposit HK$7.96M · loan HK$18.56M · min. income ≈ HK$179,926/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,127,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,177
−HK$5,088/mo
▼ 0.25% · 3.875%
HK$96,703
−HK$2,562/mo
Today · 4.125%
HK$99,265
baseline
▲ 0.50% · 4.625%
HK$104,497
+HK$5,232/mo
Deposit HK$7.96M · loan HK$18.56M · min. income ≈ HK$198,530/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,127,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,841
−HK$6,825/mo
▼ 0.25% · 3.875%
HK$112,227
−HK$3,439/mo
Today · 4.125%
HK$115,666
baseline
▲ 0.50% · 4.625%
HK$122,704
+HK$7,038/mo
Deposit HK$2.65M · loan HK$23.87M · min. income ≈ HK$231,332/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,085
−HK$6,541/mo
▼ 0.25% · 3.875%
HK$124,332
−HK$3,294/mo
Today · 4.125%
HK$127,626
baseline
▲ 0.50% · 4.625%
HK$134,354
+HK$6,728/mo
Deposit HK$2.65M · loan HK$23.87M · min. income ≈ HK$255,252/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,004 · Scale 2, in force from 26 Feb 2026)