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$60,271
−HK$3,780/mo
▼ 0.25% · 3.875%
HK$62,146
−HK$1,905/mo
Today · 4.125%
HK$64,051
baseline
▲ 0.50% · 4.625%
HK$67,948
+HK$3,897/mo
Deposit HK$13.22M · loan HK$13.22M · min. income ≈ HK$128,102/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,051
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$68,849
−HK$1,825/mo
Today · 4.125%
HK$70,674
baseline
▲ 0.50% · 4.625%
HK$74,399
+HK$3,725/mo
Deposit HK$13.22M · loan HK$13.22M · min. income ≈ HK$141,348/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,325
−HK$4,536/mo
▼ 0.25% · 3.875%
HK$74,575
−HK$2,286/mo
Today · 4.125%
HK$76,861
baseline
▲ 0.50% · 4.625%
HK$81,538
+HK$4,677/mo
Deposit HK$10.57M · loan HK$15.86M · min. income ≈ HK$153,722/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,123,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,461
−HK$4,347/mo
▼ 0.25% · 3.875%
HK$82,619
−HK$2,189/mo
Today · 4.125%
HK$84,808
baseline
▲ 0.50% · 4.625%
HK$89,279
+HK$4,471/mo
Deposit HK$10.57M · loan HK$15.86M · min. income ≈ HK$169,616/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,123,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,380
−HK$5,291/mo
▼ 0.25% · 3.875%
HK$87,004
−HK$2,667/mo
Today · 4.125%
HK$89,671
baseline
▲ 0.50% · 4.625%
HK$95,127
+HK$5,456/mo
Deposit HK$7.93M · loan HK$18.50M · min. income ≈ HK$179,342/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,123,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,871
−HK$5,072/mo
▼ 0.25% · 3.875%
HK$96,389
−HK$2,554/mo
Today · 4.125%
HK$98,943
baseline
▲ 0.50% · 4.625%
HK$104,158
+HK$5,215/mo
Deposit HK$7.93M · loan HK$18.50M · min. income ≈ HK$197,886/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,123,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,488
−HK$6,803/mo
▼ 0.25% · 3.875%
HK$111,863
−HK$3,428/mo
Today · 4.125%
HK$115,291
baseline
▲ 0.50% · 4.625%
HK$122,306
+HK$7,015/mo
Deposit HK$2.64M · loan HK$23.79M · min. income ≈ HK$230,582/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,692
−HK$6,520/mo
▼ 0.25% · 3.875%
HK$123,929
−HK$3,283/mo
Today · 4.125%
HK$127,212
baseline
▲ 0.50% · 4.625%
HK$133,918
+HK$6,706/mo
Deposit HK$2.64M · loan HK$23.79M · min. income ≈ HK$254,424/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,349 · Scale 2, in force from 26 Feb 2026)