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$3,793/mo
▼ 0.25% · 3.875%
HK$62,365
−HK$1,911/mo
Today · 4.125%
HK$64,276
baseline
▲ 0.50% · 4.625%
HK$68,187
+HK$3,911/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$128,552/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,127,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,287
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$69,092
−HK$1,830/mo
Today · 4.125%
HK$70,922
baseline
▲ 0.50% · 4.625%
HK$74,661
+HK$3,739/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$1,127,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,580
−HK$4,551/mo
▼ 0.25% · 3.875%
HK$74,838
−HK$2,293/mo
Today · 4.125%
HK$77,131
baseline
▲ 0.50% · 4.625%
HK$81,825
+HK$4,694/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$1,127,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,745
−HK$4,362/mo
▼ 0.25% · 3.875%
HK$82,910
−HK$2,197/mo
Today · 4.125%
HK$85,107
baseline
▲ 0.50% · 4.625%
HK$89,593
+HK$4,486/mo
Deposit HK$10.61M · loan HK$15.91M · min. income ≈ HK$170,214/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,677
−HK$5,310/mo
▼ 0.25% · 3.875%
HK$87,311
−HK$2,676/mo
Today · 4.125%
HK$89,987
baseline
▲ 0.50% · 4.625%
HK$95,462
+HK$5,475/mo
Deposit HK$7.96M · loan HK$18.57M · min. income ≈ HK$179,974/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,127,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,202
−HK$5,089/mo
▼ 0.25% · 3.875%
HK$96,728
−HK$2,563/mo
Today · 4.125%
HK$99,291
baseline
▲ 0.50% · 4.625%
HK$104,525
+HK$5,234/mo
Deposit HK$7.96M · loan HK$18.57M · min. income ≈ HK$198,582/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,127,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,870
−HK$6,827/mo
▼ 0.25% · 3.875%
HK$112,257
−HK$3,440/mo
Today · 4.125%
HK$115,697
baseline
▲ 0.50% · 4.625%
HK$122,737
+HK$7,040/mo
Deposit HK$2.65M · loan HK$23.87M · min. income ≈ HK$231,394/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,117
−HK$6,543/mo
▼ 0.25% · 3.875%
HK$124,365
−HK$3,295/mo
Today · 4.125%
HK$127,660
baseline
▲ 0.50% · 4.625%
HK$134,390
+HK$6,730/mo
Deposit HK$2.65M · loan HK$23.87M · min. income ≈ HK$255,320/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,305 · Scale 2, in force from 26 Feb 2026)