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$60,460
−HK$3,791/mo
▼ 0.25% · 3.875%
HK$62,340
−HK$1,911/mo
Today · 4.125%
HK$64,251
baseline
▲ 0.50% · 4.625%
HK$68,161
+HK$3,910/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$128,502/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,126,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,261
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$69,065
−HK$1,830/mo
Today · 4.125%
HK$70,895
baseline
▲ 0.50% · 4.625%
HK$74,632
+HK$3,737/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$141,790/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,126,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,552
−HK$4,549/mo
▼ 0.25% · 3.875%
HK$74,809
−HK$2,292/mo
Today · 4.125%
HK$77,101
baseline
▲ 0.50% · 4.625%
HK$81,793
+HK$4,692/mo
Deposit HK$10.61M · loan HK$15.91M · min. income ≈ HK$154,202/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,713
−HK$4,361/mo
▼ 0.25% · 3.875%
HK$82,878
−HK$2,196/mo
Today · 4.125%
HK$85,074
baseline
▲ 0.50% · 4.625%
HK$89,558
+HK$4,484/mo
Deposit HK$10.61M · loan HK$15.91M · min. income ≈ HK$170,148/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,644
−HK$5,308/mo
▼ 0.25% · 3.875%
HK$87,277
−HK$2,675/mo
Today · 4.125%
HK$89,952
baseline
▲ 0.50% · 4.625%
HK$95,425
+HK$5,473/mo
Deposit HK$7.95M · loan HK$18.56M · min. income ≈ HK$179,904/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,165
−HK$5,088/mo
▼ 0.25% · 3.875%
HK$96,691
−HK$2,562/mo
Today · 4.125%
HK$99,253
baseline
▲ 0.50% · 4.625%
HK$104,484
+HK$5,231/mo
Deposit HK$7.95M · loan HK$18.56M · min. income ≈ HK$198,506/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,828
−HK$6,824/mo
▼ 0.25% · 3.875%
HK$112,213
−HK$3,439/mo
Today · 4.125%
HK$115,652
baseline
▲ 0.50% · 4.625%
HK$122,689
+HK$7,037/mo
Deposit HK$2.65M · loan HK$23.86M · min. income ≈ HK$231,304/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,070
−HK$6,541/mo
▼ 0.25% · 3.875%
HK$124,317
−HK$3,294/mo
Today · 4.125%
HK$127,611
baseline
▲ 0.50% · 4.625%
HK$134,337
+HK$6,726/mo
Deposit HK$2.65M · loan HK$23.86M · min. income ≈ HK$255,222/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,866 · Scale 2, in force from 26 Feb 2026)