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$60,375
−HK$3,786/mo
▼ 0.25% · 3.875%
HK$62,253
−HK$1,908/mo
Today · 4.125%
HK$64,161
baseline
▲ 0.50% · 4.625%
HK$68,065
+HK$3,904/mo
Deposit HK$13.24M · loan HK$13.24M · min. income ≈ HK$128,322/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,125,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,167
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$68,968
−HK$1,828/mo
Today · 4.125%
HK$70,796
baseline
▲ 0.50% · 4.625%
HK$74,527
+HK$3,731/mo
Deposit HK$13.24M · loan HK$13.24M · min. income ≈ HK$141,592/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,125,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,450
−HK$4,544/mo
▼ 0.25% · 3.875%
HK$74,704
−HK$2,290/mo
Today · 4.125%
HK$76,994
baseline
▲ 0.50% · 4.625%
HK$81,679
+HK$4,685/mo
Deposit HK$10.59M · loan HK$15.89M · min. income ≈ HK$153,988/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,125,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,600
−HK$4,355/mo
▼ 0.25% · 3.875%
HK$82,762
−HK$2,193/mo
Today · 4.125%
HK$84,955
baseline
▲ 0.50% · 4.625%
HK$89,433
+HK$4,478/mo
Deposit HK$10.59M · loan HK$15.89M · min. income ≈ HK$169,910/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,125,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,525
−HK$5,301/mo
▼ 0.25% · 3.875%
HK$87,155
−HK$2,671/mo
Today · 4.125%
HK$89,826
baseline
▲ 0.50% · 4.625%
HK$95,292
+HK$5,466/mo
Deposit HK$7.94M · loan HK$18.53M · min. income ≈ HK$179,652/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,034
−HK$5,080/mo
▼ 0.25% · 3.875%
HK$96,556
−HK$2,558/mo
Today · 4.125%
HK$99,114
baseline
▲ 0.50% · 4.625%
HK$104,338
+HK$5,224/mo
Deposit HK$7.94M · loan HK$18.53M · min. income ≈ HK$198,228/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,676
−HK$6,814/mo
▼ 0.25% · 3.875%
HK$112,056
−HK$3,434/mo
Today · 4.125%
HK$115,490
baseline
▲ 0.50% · 4.625%
HK$122,518
+HK$7,028/mo
Deposit HK$2.65M · loan HK$23.83M · min. income ≈ HK$230,980/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,125,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,900
−HK$6,532/mo
▼ 0.25% · 3.875%
HK$124,143
−HK$3,289/mo
Today · 4.125%
HK$127,432
baseline
▲ 0.50% · 4.625%
HK$134,149
+HK$6,717/mo
Deposit HK$2.65M · loan HK$23.83M · min. income ≈ HK$254,864/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,125,291 · Scale 2, in force from 26 Feb 2026)