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$60,218
−HK$3,776/mo
▼ 0.25% · 3.875%
HK$62,091
−HK$1,903/mo
Today · 4.125%
HK$63,994
baseline
▲ 0.50% · 4.625%
HK$67,888
+HK$3,894/mo
Deposit HK$13.20M · loan HK$13.20M · min. income ≈ HK$127,988/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,122,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,992
−HK$3,619/mo
▼ 0.25% · 3.875%
HK$68,788
−HK$1,823/mo
Today · 4.125%
HK$70,611
baseline
▲ 0.50% · 4.625%
HK$74,333
+HK$3,722/mo
Deposit HK$13.20M · loan HK$13.20M · min. income ≈ HK$141,222/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,122,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,261
−HK$4,532/mo
▼ 0.25% · 3.875%
HK$74,509
−HK$2,284/mo
Today · 4.125%
HK$76,793
baseline
▲ 0.50% · 4.625%
HK$81,466
+HK$4,673/mo
Deposit HK$10.56M · loan HK$15.85M · min. income ≈ HK$153,586/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,122,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,390
−HK$4,343/mo
▼ 0.25% · 3.875%
HK$82,546
−HK$2,187/mo
Today · 4.125%
HK$84,733
baseline
▲ 0.50% · 4.625%
HK$89,200
+HK$4,467/mo
Deposit HK$10.56M · loan HK$15.85M · min. income ≈ HK$169,466/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,122,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,305
−HK$5,287/mo
▼ 0.25% · 3.875%
HK$86,927
−HK$2,665/mo
Today · 4.125%
HK$89,592
baseline
▲ 0.50% · 4.625%
HK$95,043
+HK$5,451/mo
Deposit HK$7.92M · loan HK$18.49M · min. income ≈ HK$179,184/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,122,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,789
−HK$5,067/mo
▼ 0.25% · 3.875%
HK$96,304
−HK$2,552/mo
Today · 4.125%
HK$98,856
baseline
▲ 0.50% · 4.625%
HK$104,066
+HK$5,210/mo
Deposit HK$7.92M · loan HK$18.49M · min. income ≈ HK$197,712/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,122,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,392
−HK$6,797/mo
▼ 0.25% · 3.875%
HK$111,764
−HK$3,425/mo
Today · 4.125%
HK$115,189
baseline
▲ 0.50% · 4.625%
HK$122,198
+HK$7,009/mo
Deposit HK$2.64M · loan HK$23.77M · min. income ≈ HK$230,378/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,585
−HK$6,515/mo
▼ 0.25% · 3.875%
HK$123,819
−HK$3,281/mo
Today · 4.125%
HK$127,100
baseline
▲ 0.50% · 4.625%
HK$133,800
+HK$6,700/mo
Deposit HK$2.64M · loan HK$23.77M · min. income ≈ HK$254,200/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,357 · Scale 2, in force from 26 Feb 2026)