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$60,260
−HK$3,779/mo
▼ 0.25% · 3.875%
HK$62,134
−HK$1,905/mo
Today · 4.125%
HK$64,039
baseline
▲ 0.50% · 4.625%
HK$67,935
+HK$3,896/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$128,078/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,038
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$68,836
−HK$1,824/mo
Today · 4.125%
HK$70,660
baseline
▲ 0.50% · 4.625%
HK$74,385
+HK$3,725/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$141,320/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,312
−HK$4,534/mo
▼ 0.25% · 3.875%
HK$74,561
−HK$2,285/mo
Today · 4.125%
HK$76,846
baseline
▲ 0.50% · 4.625%
HK$81,522
+HK$4,676/mo
Deposit HK$10.57M · loan HK$15.86M · min. income ≈ HK$153,692/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,123,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,446
−HK$4,346/mo
▼ 0.25% · 3.875%
HK$82,603
−HK$2,189/mo
Today · 4.125%
HK$84,792
baseline
▲ 0.50% · 4.625%
HK$89,262
+HK$4,470/mo
Deposit HK$10.57M · loan HK$15.86M · min. income ≈ HK$169,584/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,123,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,364
−HK$5,290/mo
▼ 0.25% · 3.875%
HK$86,988
−HK$2,666/mo
Today · 4.125%
HK$89,654
baseline
▲ 0.50% · 4.625%
HK$95,109
+HK$5,455/mo
Deposit HK$7.93M · loan HK$18.50M · min. income ≈ HK$179,308/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,123,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,854
−HK$5,070/mo
▼ 0.25% · 3.875%
HK$96,371
−HK$2,553/mo
Today · 4.125%
HK$98,924
baseline
▲ 0.50% · 4.625%
HK$104,139
+HK$5,215/mo
Deposit HK$7.93M · loan HK$18.50M · min. income ≈ HK$197,848/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,123,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,467
−HK$6,802/mo
▼ 0.25% · 3.875%
HK$111,841
−HK$3,428/mo
Today · 4.125%
HK$115,269
baseline
▲ 0.50% · 4.625%
HK$122,283
+HK$7,014/mo
Deposit HK$2.64M · loan HK$23.78M · min. income ≈ HK$230,538/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,669
−HK$6,519/mo
▼ 0.25% · 3.875%
HK$123,905
−HK$3,283/mo
Today · 4.125%
HK$127,188
baseline
▲ 0.50% · 4.625%
HK$133,893
+HK$6,705/mo
Deposit HK$2.64M · loan HK$23.78M · min. income ≈ HK$254,376/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,136 · Scale 2, in force from 26 Feb 2026)