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$60,489
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$62,371
−HK$1,911/mo
Today · 4.125%
HK$64,282
baseline
▲ 0.50% · 4.625%
HK$68,194
+HK$3,912/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$128,564/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,127,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,294
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$69,098
−HK$1,831/mo
Today · 4.125%
HK$70,929
baseline
▲ 0.50% · 4.625%
HK$74,668
+HK$3,739/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$141,858/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,127,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,587
−HK$4,552/mo
▼ 0.25% · 3.875%
HK$74,845
−HK$2,294/mo
Today · 4.125%
HK$77,139
baseline
▲ 0.50% · 4.625%
HK$81,833
+HK$4,694/mo
Deposit HK$10.61M · loan HK$15.92M · min. income ≈ HK$154,278/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,752
−HK$4,363/mo
▼ 0.25% · 3.875%
HK$82,918
−HK$2,197/mo
Today · 4.125%
HK$85,115
baseline
▲ 0.50% · 4.625%
HK$89,602
+HK$4,487/mo
Deposit HK$10.61M · loan HK$15.92M · min. income ≈ HK$170,230/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,685
−HK$5,310/mo
▼ 0.25% · 3.875%
HK$87,319
−HK$2,676/mo
Today · 4.125%
HK$89,995
baseline
▲ 0.50% · 4.625%
HK$95,471
+HK$5,476/mo
Deposit HK$7.96M · loan HK$18.57M · min. income ≈ HK$179,990/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,127,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,211
−HK$5,090/mo
▼ 0.25% · 3.875%
HK$96,738
−HK$2,563/mo
Today · 4.125%
HK$99,301
baseline
▲ 0.50% · 4.625%
HK$104,535
+HK$5,234/mo
Deposit HK$7.96M · loan HK$18.57M · min. income ≈ HK$198,602/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,127,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,881
−HK$6,827/mo
▼ 0.25% · 3.875%
HK$112,267
−HK$3,441/mo
Today · 4.125%
HK$115,708
baseline
▲ 0.50% · 4.625%
HK$122,749
+HK$7,041/mo
Deposit HK$2.65M · loan HK$23.87M · min. income ≈ HK$231,416/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,128
−HK$6,545/mo
▼ 0.25% · 3.875%
HK$124,377
−HK$3,296/mo
Today · 4.125%
HK$127,673
baseline
▲ 0.50% · 4.625%
HK$134,402
+HK$6,729/mo
Deposit HK$2.65M · loan HK$23.87M · min. income ≈ HK$255,346/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,413 · Scale 2, in force from 26 Feb 2026)