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$60,483
−HK$3,792/mo
▼ 0.25% · 3.875%
HK$62,364
−HK$1,911/mo
Today · 4.125%
HK$64,275
baseline
▲ 0.50% · 4.625%
HK$68,186
+HK$3,911/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$128,550/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,127,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,286
−HK$3,636/mo
▼ 0.25% · 3.875%
HK$69,091
−HK$1,831/mo
Today · 4.125%
HK$70,922
baseline
▲ 0.50% · 4.625%
HK$74,660
+HK$3,738/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$141,844/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,127,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,579
−HK$4,552/mo
▼ 0.25% · 3.875%
HK$74,837
−HK$2,294/mo
Today · 4.125%
HK$77,131
baseline
▲ 0.50% · 4.625%
HK$81,824
+HK$4,693/mo
Deposit HK$10.61M · loan HK$15.91M · min. income ≈ HK$154,262/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,744
−HK$4,362/mo
▼ 0.25% · 3.875%
HK$82,909
−HK$2,197/mo
Today · 4.125%
HK$85,106
baseline
▲ 0.50% · 4.625%
HK$89,592
+HK$4,486/mo
Deposit HK$10.61M · loan HK$15.91M · min. income ≈ HK$170,212/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,676
−HK$5,310/mo
▼ 0.25% · 3.875%
HK$87,310
−HK$2,676/mo
Today · 4.125%
HK$89,986
baseline
▲ 0.50% · 4.625%
HK$95,461
+HK$5,475/mo
Deposit HK$7.96M · loan HK$18.57M · min. income ≈ HK$179,972/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,127,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,201
−HK$5,089/mo
▼ 0.25% · 3.875%
HK$96,727
−HK$2,563/mo
Today · 4.125%
HK$99,290
baseline
▲ 0.50% · 4.625%
HK$104,524
+HK$5,234/mo
Deposit HK$7.96M · loan HK$18.57M · min. income ≈ HK$198,580/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,127,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,869
−HK$6,827/mo
▼ 0.25% · 3.875%
HK$112,255
−HK$3,441/mo
Today · 4.125%
HK$115,696
baseline
▲ 0.50% · 4.625%
HK$122,736
+HK$7,040/mo
Deposit HK$2.65M · loan HK$23.87M · min. income ≈ HK$231,392/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,115
−HK$6,544/mo
▼ 0.25% · 3.875%
HK$124,364
−HK$3,295/mo
Today · 4.125%
HK$127,659
baseline
▲ 0.50% · 4.625%
HK$134,388
+HK$6,729/mo
Deposit HK$2.65M · loan HK$23.87M · min. income ≈ HK$255,318/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,291 · Scale 2, in force from 26 Feb 2026)