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$60,366
−HK$3,786/mo
▼ 0.25% · 3.875%
HK$62,244
−HK$1,908/mo
Today · 4.125%
HK$64,152
baseline
▲ 0.50% · 4.625%
HK$68,055
+HK$3,903/mo
Deposit HK$13.24M · loan HK$13.24M · min. income ≈ HK$128,304/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,125,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,157
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$68,958
−HK$1,827/mo
Today · 4.125%
HK$70,785
baseline
▲ 0.50% · 4.625%
HK$74,516
+HK$3,731/mo
Deposit HK$13.24M · loan HK$13.24M · min. income ≈ HK$141,570/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,125,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,439
−HK$4,543/mo
▼ 0.25% · 3.875%
HK$74,693
−HK$2,289/mo
Today · 4.125%
HK$76,982
baseline
▲ 0.50% · 4.625%
HK$81,666
+HK$4,684/mo
Deposit HK$10.59M · loan HK$15.88M · min. income ≈ HK$153,964/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,125,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,588
−HK$4,354/mo
▼ 0.25% · 3.875%
HK$82,749
−HK$2,193/mo
Today · 4.125%
HK$84,942
baseline
▲ 0.50% · 4.625%
HK$89,419
+HK$4,477/mo
Deposit HK$10.59M · loan HK$15.88M · min. income ≈ HK$169,884/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,125,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,512
−HK$5,300/mo
▼ 0.25% · 3.875%
HK$87,141
−HK$2,671/mo
Today · 4.125%
HK$89,812
baseline
▲ 0.50% · 4.625%
HK$95,277
+HK$5,465/mo
Deposit HK$7.94M · loan HK$18.53M · min. income ≈ HK$179,624/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,019
−HK$5,080/mo
▼ 0.25% · 3.875%
HK$96,541
−HK$2,558/mo
Today · 4.125%
HK$99,099
baseline
▲ 0.50% · 4.625%
HK$104,323
+HK$5,224/mo
Deposit HK$7.94M · loan HK$18.53M · min. income ≈ HK$198,198/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,659
−HK$6,814/mo
▼ 0.25% · 3.875%
HK$112,039
−HK$3,434/mo
Today · 4.125%
HK$115,473
baseline
▲ 0.50% · 4.625%
HK$122,499
+HK$7,026/mo
Deposit HK$2.65M · loan HK$23.83M · min. income ≈ HK$230,946/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,125,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,882
−HK$6,531/mo
▼ 0.25% · 3.875%
HK$124,124
−HK$3,289/mo
Today · 4.125%
HK$127,413
baseline
▲ 0.50% · 4.625%
HK$134,129
+HK$6,716/mo
Deposit HK$2.65M · loan HK$23.83M · min. income ≈ HK$254,826/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,125,119 · Scale 2, in force from 26 Feb 2026)