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$60,605
−HK$3,801/mo
▼ 0.25% · 3.875%
HK$62,490
−HK$1,916/mo
Today · 4.125%
HK$64,406
baseline
▲ 0.50% · 4.625%
HK$68,325
+HK$3,919/mo
Deposit HK$13.29M · loan HK$13.29M · min. income ≈ HK$128,812/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,129,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,423
−HK$3,642/mo
▼ 0.25% · 3.875%
HK$69,231
−HK$1,834/mo
Today · 4.125%
HK$71,065
baseline
▲ 0.50% · 4.625%
HK$74,811
+HK$3,746/mo
Deposit HK$13.29M · loan HK$13.29M · min. income ≈ HK$142,130/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,129,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,726
−HK$4,561/mo
▼ 0.25% · 3.875%
HK$74,988
−HK$2,299/mo
Today · 4.125%
HK$77,287
baseline
▲ 0.50% · 4.625%
HK$81,989
+HK$4,702/mo
Deposit HK$10.63M · loan HK$15.95M · min. income ≈ HK$154,574/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,129,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,907
−HK$4,371/mo
▼ 0.25% · 3.875%
HK$83,077
−HK$2,201/mo
Today · 4.125%
HK$85,278
baseline
▲ 0.50% · 4.625%
HK$89,773
+HK$4,495/mo
Deposit HK$10.63M · loan HK$15.95M · min. income ≈ HK$170,556/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,129,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,847
−HK$5,321/mo
▼ 0.25% · 3.875%
HK$87,486
−HK$2,682/mo
Today · 4.125%
HK$90,168
baseline
▲ 0.50% · 4.625%
HK$95,654
+HK$5,486/mo
Deposit HK$7.97M · loan HK$18.60M · min. income ≈ HK$180,336/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,129,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,392
−HK$5,099/mo
▼ 0.25% · 3.875%
HK$96,923
−HK$2,568/mo
Today · 4.125%
HK$99,491
baseline
▲ 0.50% · 4.625%
HK$104,736
+HK$5,245/mo
Deposit HK$7.97M · loan HK$18.60M · min. income ≈ HK$198,982/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,129,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,089
−HK$6,841/mo
▼ 0.25% · 3.875%
HK$112,483
−HK$3,447/mo
Today · 4.125%
HK$115,930
baseline
▲ 0.50% · 4.625%
HK$122,984
+HK$7,054/mo
Deposit HK$2.66M · loan HK$23.92M · min. income ≈ HK$231,860/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,129,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,361
−HK$6,556/mo
▼ 0.25% · 3.875%
HK$124,616
−HK$3,301/mo
Today · 4.125%
HK$127,917
baseline
▲ 0.50% · 4.625%
HK$134,660
+HK$6,743/mo
Deposit HK$2.66M · loan HK$23.92M · min. income ≈ HK$255,834/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,129,575 · Scale 2, in force from 26 Feb 2026)