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$60,490
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$62,371
−HK$1,912/mo
Today · 4.125%
HK$64,283
baseline
▲ 0.50% · 4.625%
HK$68,195
+HK$3,912/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$128,566/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,127,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,294
−HK$3,636/mo
▼ 0.25% · 3.875%
HK$69,099
−HK$1,831/mo
Today · 4.125%
HK$70,930
baseline
▲ 0.50% · 4.625%
HK$74,669
+HK$3,739/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$141,860/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,127,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,588
−HK$4,552/mo
▼ 0.25% · 3.875%
HK$74,846
−HK$2,294/mo
Today · 4.125%
HK$77,140
baseline
▲ 0.50% · 4.625%
HK$81,834
+HK$4,694/mo
Deposit HK$10.61M · loan HK$15.92M · min. income ≈ HK$154,280/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,753
−HK$4,363/mo
▼ 0.25% · 3.875%
HK$82,919
−HK$2,197/mo
Today · 4.125%
HK$85,116
baseline
▲ 0.50% · 4.625%
HK$89,603
+HK$4,487/mo
Deposit HK$10.61M · loan HK$15.92M · min. income ≈ HK$170,232/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,686
−HK$5,310/mo
▼ 0.25% · 3.875%
HK$87,320
−HK$2,676/mo
Today · 4.125%
HK$89,996
baseline
▲ 0.50% · 4.625%
HK$95,472
+HK$5,476/mo
Deposit HK$7.96M · loan HK$18.57M · min. income ≈ HK$179,992/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,127,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,212
−HK$5,090/mo
▼ 0.25% · 3.875%
HK$96,739
−HK$2,563/mo
Today · 4.125%
HK$99,302
baseline
▲ 0.50% · 4.625%
HK$104,536
+HK$5,234/mo
Deposit HK$7.96M · loan HK$18.57M · min. income ≈ HK$198,604/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,127,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,882
−HK$6,828/mo
▼ 0.25% · 3.875%
HK$112,269
−HK$3,441/mo
Today · 4.125%
HK$115,710
baseline
▲ 0.50% · 4.625%
HK$122,750
+HK$7,040/mo
Deposit HK$2.65M · loan HK$23.87M · min. income ≈ HK$231,420/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,130
−HK$6,544/mo
▼ 0.25% · 3.875%
HK$124,379
−HK$3,295/mo
Today · 4.125%
HK$127,674
baseline
▲ 0.50% · 4.625%
HK$134,404
+HK$6,730/mo
Deposit HK$2.65M · loan HK$23.87M · min. income ≈ HK$255,348/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,426 · Scale 2, in force from 26 Feb 2026)