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$60,258
−HK$3,778/mo
▼ 0.25% · 3.875%
HK$62,132
−HK$1,904/mo
Today · 4.125%
HK$64,036
baseline
▲ 0.50% · 4.625%
HK$67,933
+HK$3,897/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$128,072/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,036
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$68,834
−HK$1,824/mo
Today · 4.125%
HK$70,658
baseline
▲ 0.50% · 4.625%
HK$74,382
+HK$3,724/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$141,316/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,309
−HK$4,535/mo
▼ 0.25% · 3.875%
HK$74,558
−HK$2,286/mo
Today · 4.125%
HK$76,844
baseline
▲ 0.50% · 4.625%
HK$81,519
+HK$4,675/mo
Deposit HK$10.57M · loan HK$15.86M · min. income ≈ HK$153,688/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,123,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,443
−HK$4,346/mo
▼ 0.25% · 3.875%
HK$82,601
−HK$2,188/mo
Today · 4.125%
HK$84,789
baseline
▲ 0.50% · 4.625%
HK$89,259
+HK$4,470/mo
Deposit HK$10.57M · loan HK$15.86M · min. income ≈ HK$169,578/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,123,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,361
−HK$5,290/mo
▼ 0.25% · 3.875%
HK$86,985
−HK$2,666/mo
Today · 4.125%
HK$89,651
baseline
▲ 0.50% · 4.625%
HK$95,106
+HK$5,455/mo
Deposit HK$7.93M · loan HK$18.50M · min. income ≈ HK$179,302/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,123,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,850
−HK$5,071/mo
▼ 0.25% · 3.875%
HK$96,367
−HK$2,554/mo
Today · 4.125%
HK$98,921
baseline
▲ 0.50% · 4.625%
HK$104,135
+HK$5,214/mo
Deposit HK$7.93M · loan HK$18.50M · min. income ≈ HK$197,842/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,123,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,464
−HK$6,801/mo
▼ 0.25% · 3.875%
HK$111,838
−HK$3,427/mo
Today · 4.125%
HK$115,265
baseline
▲ 0.50% · 4.625%
HK$122,279
+HK$7,014/mo
Deposit HK$2.64M · loan HK$23.78M · min. income ≈ HK$230,530/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,665
−HK$6,519/mo
▼ 0.25% · 3.875%
HK$123,901
−HK$3,283/mo
Today · 4.125%
HK$127,184
baseline
▲ 0.50% · 4.625%
HK$133,888
+HK$6,704/mo
Deposit HK$2.64M · loan HK$23.78M · min. income ≈ HK$254,368/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,097 · Scale 2, in force from 26 Feb 2026)