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$60,163
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$62,034
−HK$1,902/mo
Today · 4.125%
HK$63,936
baseline
▲ 0.50% · 4.625%
HK$67,826
+HK$3,890/mo
Deposit HK$13.19M · loan HK$13.19M · min. income ≈ HK$127,872/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,121,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,931
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$68,726
−HK$1,821/mo
Today · 4.125%
HK$70,547
baseline
▲ 0.50% · 4.625%
HK$74,265
+HK$3,718/mo
Deposit HK$13.19M · loan HK$13.19M · min. income ≈ HK$141,094/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,121,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,196
−HK$4,527/mo
▼ 0.25% · 3.875%
HK$74,441
−HK$2,282/mo
Today · 4.125%
HK$76,723
baseline
▲ 0.50% · 4.625%
HK$81,391
+HK$4,668/mo
Deposit HK$10.55M · loan HK$15.83M · min. income ≈ HK$153,446/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,121,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,317
−HK$4,339/mo
▼ 0.25% · 3.875%
HK$82,471
−HK$2,185/mo
Today · 4.125%
HK$84,656
baseline
▲ 0.50% · 4.625%
HK$89,119
+HK$4,463/mo
Deposit HK$10.55M · loan HK$15.83M · min. income ≈ HK$169,312/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,121,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,228
−HK$5,282/mo
▼ 0.25% · 3.875%
HK$86,848
−HK$2,662/mo
Today · 4.125%
HK$89,510
baseline
▲ 0.50% · 4.625%
HK$94,957
+HK$5,447/mo
Deposit HK$7.92M · loan HK$18.47M · min. income ≈ HK$179,020/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,121,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,703
−HK$5,063/mo
▼ 0.25% · 3.875%
HK$96,216
−HK$2,550/mo
Today · 4.125%
HK$98,766
baseline
▲ 0.50% · 4.625%
HK$103,972
+HK$5,206/mo
Deposit HK$7.92M · loan HK$18.47M · min. income ≈ HK$197,532/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,121,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,293
−HK$6,791/mo
▼ 0.25% · 3.875%
HK$111,662
−HK$3,422/mo
Today · 4.125%
HK$115,084
baseline
▲ 0.50% · 4.625%
HK$122,087
+HK$7,003/mo
Deposit HK$2.64M · loan HK$23.75M · min. income ≈ HK$230,168/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,475
−HK$6,509/mo
▼ 0.25% · 3.875%
HK$123,706
−HK$3,278/mo
Today · 4.125%
HK$126,984
baseline
▲ 0.50% · 4.625%
HK$133,678
+HK$6,694/mo
Deposit HK$2.64M · loan HK$23.75M · min. income ≈ HK$253,968/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,334 · Scale 2, in force from 26 Feb 2026)