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$60,077
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$61,946
−HK$1,898/mo
Today · 4.125%
HK$63,844
baseline
▲ 0.50% · 4.625%
HK$67,729
+HK$3,885/mo
Deposit HK$13.17M · loan HK$13.17M · min. income ≈ HK$127,688/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,119,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,835
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$68,628
−HK$1,818/mo
Today · 4.125%
HK$70,446
baseline
▲ 0.50% · 4.625%
HK$74,159
+HK$3,713/mo
Deposit HK$13.17M · loan HK$13.17M · min. income ≈ HK$140,892/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,119,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,092
−HK$4,521/mo
▼ 0.25% · 3.875%
HK$74,335
−HK$2,278/mo
Today · 4.125%
HK$76,613
baseline
▲ 0.50% · 4.625%
HK$81,275
+HK$4,662/mo
Deposit HK$10.54M · loan HK$15.81M · min. income ≈ HK$153,226/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,119,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,202
−HK$4,333/mo
▼ 0.25% · 3.875%
HK$82,353
−HK$2,182/mo
Today · 4.125%
HK$84,535
baseline
▲ 0.50% · 4.625%
HK$88,991
+HK$4,456/mo
Deposit HK$10.54M · loan HK$15.81M · min. income ≈ HK$169,070/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,119,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,108
−HK$5,274/mo
▼ 0.25% · 3.875%
HK$86,724
−HK$2,658/mo
Today · 4.125%
HK$89,382
baseline
▲ 0.50% · 4.625%
HK$94,821
+HK$5,439/mo
Deposit HK$7.90M · loan HK$18.44M · min. income ≈ HK$178,764/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,119,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,569
−HK$5,055/mo
▼ 0.25% · 3.875%
HK$96,079
−HK$2,545/mo
Today · 4.125%
HK$98,624
baseline
▲ 0.50% · 4.625%
HK$103,823
+HK$5,199/mo
Deposit HK$7.90M · loan HK$18.44M · min. income ≈ HK$197,248/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,119,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,139
−HK$6,781/mo
▼ 0.25% · 3.875%
HK$111,502
−HK$3,418/mo
Today · 4.125%
HK$114,920
baseline
▲ 0.50% · 4.625%
HK$121,912
+HK$6,992/mo
Deposit HK$2.63M · loan HK$23.71M · min. income ≈ HK$229,840/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,119,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,303
−HK$6,500/mo
▼ 0.25% · 3.875%
HK$123,530
−HK$3,273/mo
Today · 4.125%
HK$126,803
baseline
▲ 0.50% · 4.625%
HK$133,487
+HK$6,684/mo
Deposit HK$2.63M · loan HK$23.71M · min. income ≈ HK$253,606/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,119,731 · Scale 2, in force from 26 Feb 2026)