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$60,345
−HK$3,784/mo
▼ 0.25% · 3.875%
HK$62,222
−HK$1,907/mo
Today · 4.125%
HK$64,129
baseline
▲ 0.50% · 4.625%
HK$68,032
+HK$3,903/mo
Deposit HK$13.23M · loan HK$13.23M · min. income ≈ HK$128,258/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,124,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,133
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$68,934
−HK$1,827/mo
Today · 4.125%
HK$70,761
baseline
▲ 0.50% · 4.625%
HK$74,490
+HK$3,729/mo
Deposit HK$13.23M · loan HK$13.23M · min. income ≈ HK$141,522/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,124,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,414
−HK$4,541/mo
▼ 0.25% · 3.875%
HK$74,667
−HK$2,288/mo
Today · 4.125%
HK$76,955
baseline
▲ 0.50% · 4.625%
HK$81,638
+HK$4,683/mo
Deposit HK$10.59M · loan HK$15.88M · min. income ≈ HK$153,910/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,124,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,560
−HK$4,353/mo
▼ 0.25% · 3.875%
HK$82,721
−HK$2,192/mo
Today · 4.125%
HK$84,913
baseline
▲ 0.50% · 4.625%
HK$89,388
+HK$4,475/mo
Deposit HK$10.59M · loan HK$15.88M · min. income ≈ HK$169,826/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,124,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,483
−HK$5,298/mo
▼ 0.25% · 3.875%
HK$87,111
−HK$2,670/mo
Today · 4.125%
HK$89,781
baseline
▲ 0.50% · 4.625%
HK$95,244
+HK$5,463/mo
Deposit HK$7.94M · loan HK$18.52M · min. income ≈ HK$179,562/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,124,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,987
−HK$5,078/mo
▼ 0.25% · 3.875%
HK$96,508
−HK$2,557/mo
Today · 4.125%
HK$99,065
baseline
▲ 0.50% · 4.625%
HK$104,287
+HK$5,222/mo
Deposit HK$7.94M · loan HK$18.52M · min. income ≈ HK$198,130/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,124,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,621
−HK$6,812/mo
▼ 0.25% · 3.875%
HK$112,000
−HK$3,433/mo
Today · 4.125%
HK$115,433
baseline
▲ 0.50% · 4.625%
HK$122,457
+HK$7,024/mo
Deposit HK$2.65M · loan HK$23.82M · min. income ≈ HK$230,866/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,840
−HK$6,529/mo
▼ 0.25% · 3.875%
HK$124,081
−HK$3,288/mo
Today · 4.125%
HK$127,369
baseline
▲ 0.50% · 4.625%
HK$134,083
+HK$6,714/mo
Deposit HK$2.65M · loan HK$23.82M · min. income ≈ HK$254,738/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,731 · Scale 2, in force from 26 Feb 2026)