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$60,281
−HK$3,781/mo
▼ 0.25% · 3.875%
HK$62,156
−HK$1,906/mo
Today · 4.125%
HK$64,062
baseline
▲ 0.50% · 4.625%
HK$67,959
+HK$3,897/mo
Deposit HK$13.22M · loan HK$13.22M · min. income ≈ HK$128,124/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,062
−HK$3,624/mo
▼ 0.25% · 3.875%
HK$68,861
−HK$1,825/mo
Today · 4.125%
HK$70,686
baseline
▲ 0.50% · 4.625%
HK$74,411
+HK$3,725/mo
Deposit HK$13.22M · loan HK$13.22M · min. income ≈ HK$141,372/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,338
−HK$4,536/mo
▼ 0.25% · 3.875%
HK$74,588
−HK$2,286/mo
Today · 4.125%
HK$76,874
baseline
▲ 0.50% · 4.625%
HK$81,551
+HK$4,677/mo
Deposit HK$10.57M · loan HK$15.86M · min. income ≈ HK$153,748/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,123,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,475
−HK$4,348/mo
▼ 0.25% · 3.875%
HK$82,633
−HK$2,190/mo
Today · 4.125%
HK$84,823
baseline
▲ 0.50% · 4.625%
HK$89,294
+HK$4,471/mo
Deposit HK$10.57M · loan HK$15.86M · min. income ≈ HK$169,646/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,123,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,394
−HK$5,292/mo
▼ 0.25% · 3.875%
HK$87,019
−HK$2,667/mo
Today · 4.125%
HK$89,686
baseline
▲ 0.50% · 4.625%
HK$95,143
+HK$5,457/mo
Deposit HK$7.93M · loan HK$18.51M · min. income ≈ HK$179,372/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,123,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,887
−HK$5,073/mo
▼ 0.25% · 3.875%
HK$96,405
−HK$2,555/mo
Today · 4.125%
HK$98,960
baseline
▲ 0.50% · 4.625%
HK$104,176
+HK$5,216/mo
Deposit HK$7.93M · loan HK$18.51M · min. income ≈ HK$197,920/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,123,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,506
−HK$6,805/mo
▼ 0.25% · 3.875%
HK$111,882
−HK$3,429/mo
Today · 4.125%
HK$115,311
baseline
▲ 0.50% · 4.625%
HK$122,327
+HK$7,016/mo
Deposit HK$2.64M · loan HK$23.79M · min. income ≈ HK$230,622/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,712
−HK$6,522/mo
▼ 0.25% · 3.875%
HK$123,950
−HK$3,284/mo
Today · 4.125%
HK$127,234
baseline
▲ 0.50% · 4.625%
HK$133,941
+HK$6,707/mo
Deposit HK$2.64M · loan HK$23.79M · min. income ≈ HK$254,468/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,539 · Scale 2, in force from 26 Feb 2026)