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$60,341
−HK$3,783/mo
▼ 0.25% · 3.875%
HK$62,218
−HK$1,906/mo
Today · 4.125%
HK$64,124
baseline
▲ 0.50% · 4.625%
HK$68,026
+HK$3,902/mo
Deposit HK$13.23M · loan HK$13.23M · min. income ≈ HK$128,248/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,124,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,128
−HK$3,627/mo
▼ 0.25% · 3.875%
HK$68,929
−HK$1,826/mo
Today · 4.125%
HK$70,755
baseline
▲ 0.50% · 4.625%
HK$74,485
+HK$3,730/mo
Deposit HK$13.23M · loan HK$13.23M · min. income ≈ HK$141,510/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,124,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,409
−HK$4,540/mo
▼ 0.25% · 3.875%
HK$74,661
−HK$2,288/mo
Today · 4.125%
HK$76,949
baseline
▲ 0.50% · 4.625%
HK$81,632
+HK$4,683/mo
Deposit HK$10.58M · loan HK$15.88M · min. income ≈ HK$153,898/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,124,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,554
−HK$4,352/mo
▼ 0.25% · 3.875%
HK$82,714
−HK$2,192/mo
Today · 4.125%
HK$84,906
baseline
▲ 0.50% · 4.625%
HK$89,382
+HK$4,476/mo
Deposit HK$10.58M · loan HK$15.88M · min. income ≈ HK$169,812/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,124,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,477
−HK$5,297/mo
▼ 0.25% · 3.875%
HK$87,105
−HK$2,669/mo
Today · 4.125%
HK$89,774
baseline
▲ 0.50% · 4.625%
HK$95,237
+HK$5,463/mo
Deposit HK$7.94M · loan HK$18.52M · min. income ≈ HK$179,548/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,124,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,980
−HK$5,077/mo
▼ 0.25% · 3.875%
HK$96,500
−HK$2,557/mo
Today · 4.125%
HK$99,057
baseline
▲ 0.50% · 4.625%
HK$104,278
+HK$5,221/mo
Deposit HK$7.94M · loan HK$18.52M · min. income ≈ HK$198,114/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,124,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,613
−HK$6,811/mo
▼ 0.25% · 3.875%
HK$111,992
−HK$3,432/mo
Today · 4.125%
HK$115,424
baseline
▲ 0.50% · 4.625%
HK$122,447
+HK$7,023/mo
Deposit HK$2.65M · loan HK$23.82M · min. income ≈ HK$230,848/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,831
−HK$6,528/mo
▼ 0.25% · 3.875%
HK$124,072
−HK$3,287/mo
Today · 4.125%
HK$127,359
baseline
▲ 0.50% · 4.625%
HK$134,072
+HK$6,713/mo
Deposit HK$2.65M · loan HK$23.82M · min. income ≈ HK$254,718/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,644 · Scale 2, in force from 26 Feb 2026)