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$60,501
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$62,383
−HK$1,912/mo
Today · 4.125%
HK$64,295
baseline
▲ 0.50% · 4.625%
HK$68,207
+HK$3,912/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$128,590/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,127,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,307
−HK$3,636/mo
▼ 0.25% · 3.875%
HK$69,112
−HK$1,831/mo
Today · 4.125%
HK$70,943
baseline
▲ 0.50% · 4.625%
HK$74,683
+HK$3,740/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$141,886/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,127,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,601
−HK$4,553/mo
▼ 0.25% · 3.875%
HK$74,859
−HK$2,295/mo
Today · 4.125%
HK$77,154
baseline
▲ 0.50% · 4.625%
HK$81,848
+HK$4,694/mo
Deposit HK$10.61M · loan HK$15.92M · min. income ≈ HK$154,308/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,768
−HK$4,364/mo
▼ 0.25% · 3.875%
HK$82,934
−HK$2,198/mo
Today · 4.125%
HK$85,132
baseline
▲ 0.50% · 4.625%
HK$89,619
+HK$4,487/mo
Deposit HK$10.61M · loan HK$15.92M · min. income ≈ HK$170,264/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,701
−HK$5,312/mo
▼ 0.25% · 3.875%
HK$87,336
−HK$2,677/mo
Today · 4.125%
HK$90,013
baseline
▲ 0.50% · 4.625%
HK$95,490
+HK$5,477/mo
Deposit HK$7.96M · loan HK$18.57M · min. income ≈ HK$180,026/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,127,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,229
−HK$5,091/mo
▼ 0.25% · 3.875%
HK$96,757
−HK$2,563/mo
Today · 4.125%
HK$99,320
baseline
▲ 0.50% · 4.625%
HK$104,556
+HK$5,236/mo
Deposit HK$7.96M · loan HK$18.57M · min. income ≈ HK$198,640/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,127,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,902
−HK$6,829/mo
▼ 0.25% · 3.875%
HK$112,289
−HK$3,442/mo
Today · 4.125%
HK$115,731
baseline
▲ 0.50% · 4.625%
HK$122,773
+HK$7,042/mo
Deposit HK$2.65M · loan HK$23.88M · min. income ≈ HK$231,462/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,152
−HK$6,546/mo
▼ 0.25% · 3.875%
HK$124,401
−HK$3,297/mo
Today · 4.125%
HK$127,698
baseline
▲ 0.50% · 4.625%
HK$134,429
+HK$6,731/mo
Deposit HK$2.65M · loan HK$23.88M · min. income ≈ HK$255,396/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,632 · Scale 2, in force from 26 Feb 2026)