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$60,424
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$62,303
−HK$1,910/mo
Today · 4.125%
HK$64,213
baseline
▲ 0.50% · 4.625%
HK$68,120
+HK$3,907/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$128,426/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,126,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,221
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$69,024
−HK$1,829/mo
Today · 4.125%
HK$70,853
baseline
▲ 0.50% · 4.625%
HK$74,588
+HK$3,735/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$141,706/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,126,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,509
−HK$4,547/mo
▼ 0.25% · 3.875%
HK$74,764
−HK$2,292/mo
Today · 4.125%
HK$77,056
baseline
▲ 0.50% · 4.625%
HK$81,744
+HK$4,688/mo
Deposit HK$10.60M · loan HK$15.90M · min. income ≈ HK$154,112/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,665
−HK$4,358/mo
▼ 0.25% · 3.875%
HK$82,829
−HK$2,194/mo
Today · 4.125%
HK$85,023
baseline
▲ 0.50% · 4.625%
HK$89,505
+HK$4,482/mo
Deposit HK$10.60M · loan HK$15.90M · min. income ≈ HK$170,046/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,594
−HK$5,304/mo
▼ 0.25% · 3.875%
HK$87,225
−HK$2,673/mo
Today · 4.125%
HK$89,898
baseline
▲ 0.50% · 4.625%
HK$95,368
+HK$5,470/mo
Deposit HK$7.95M · loan HK$18.55M · min. income ≈ HK$179,796/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,109
−HK$5,085/mo
▼ 0.25% · 3.875%
HK$96,633
−HK$2,561/mo
Today · 4.125%
HK$99,194
baseline
▲ 0.50% · 4.625%
HK$104,423
+HK$5,229/mo
Deposit HK$7.95M · loan HK$18.55M · min. income ≈ HK$198,388/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,763
−HK$6,820/mo
▼ 0.25% · 3.875%
HK$112,146
−HK$3,437/mo
Today · 4.125%
HK$115,583
baseline
▲ 0.50% · 4.625%
HK$122,616
+HK$7,033/mo
Deposit HK$2.65M · loan HK$23.85M · min. income ≈ HK$231,166/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,998
−HK$6,537/mo
▼ 0.25% · 3.875%
HK$124,243
−HK$3,292/mo
Today · 4.125%
HK$127,535
baseline
▲ 0.50% · 4.625%
HK$134,258
+HK$6,723/mo
Deposit HK$2.65M · loan HK$23.85M · min. income ≈ HK$255,070/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,197 · Scale 2, in force from 26 Feb 2026)