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$60,427
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$62,306
−HK$1,910/mo
Today · 4.125%
HK$64,216
baseline
▲ 0.50% · 4.625%
HK$68,124
+HK$3,908/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$128,432/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,126,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,224
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$69,027
−HK$1,829/mo
Today · 4.125%
HK$70,856
baseline
▲ 0.50% · 4.625%
HK$74,591
+HK$3,735/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$141,712/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,126,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,512
−HK$4,547/mo
▼ 0.25% · 3.875%
HK$74,768
−HK$2,291/mo
Today · 4.125%
HK$77,059
baseline
▲ 0.50% · 4.625%
HK$81,748
+HK$4,689/mo
Deposit HK$10.60M · loan HK$15.90M · min. income ≈ HK$154,118/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,669
−HK$4,358/mo
▼ 0.25% · 3.875%
HK$82,833
−HK$2,194/mo
Today · 4.125%
HK$85,027
baseline
▲ 0.50% · 4.625%
HK$89,509
+HK$4,482/mo
Deposit HK$10.60M · loan HK$15.90M · min. income ≈ HK$170,054/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,598
−HK$5,305/mo
▼ 0.25% · 3.875%
HK$87,229
−HK$2,674/mo
Today · 4.125%
HK$89,903
baseline
▲ 0.50% · 4.625%
HK$95,373
+HK$5,470/mo
Deposit HK$7.95M · loan HK$18.55M · min. income ≈ HK$179,806/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,114
−HK$5,085/mo
▼ 0.25% · 3.875%
HK$96,638
−HK$2,561/mo
Today · 4.125%
HK$99,199
baseline
▲ 0.50% · 4.625%
HK$104,428
+HK$5,229/mo
Deposit HK$7.95M · loan HK$18.55M · min. income ≈ HK$198,398/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,768
−HK$6,821/mo
▼ 0.25% · 3.875%
HK$112,152
−HK$3,437/mo
Today · 4.125%
HK$115,589
baseline
▲ 0.50% · 4.625%
HK$122,622
+HK$7,033/mo
Deposit HK$2.65M · loan HK$23.85M · min. income ≈ HK$231,178/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,004
−HK$6,537/mo
▼ 0.25% · 3.875%
HK$124,249
−HK$3,292/mo
Today · 4.125%
HK$127,541
baseline
▲ 0.50% · 4.625%
HK$134,264
+HK$6,723/mo
Deposit HK$2.65M · loan HK$23.85M · min. income ≈ HK$255,082/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,252 · Scale 2, in force from 26 Feb 2026)