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$60,462
−HK$3,791/mo
▼ 0.25% · 3.875%
HK$62,343
−HK$1,910/mo
Today · 4.125%
HK$64,253
baseline
▲ 0.50% · 4.625%
HK$68,163
+HK$3,910/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$128,506/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,126,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,263
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$69,067
−HK$1,830/mo
Today · 4.125%
HK$70,897
baseline
▲ 0.50% · 4.625%
HK$74,634
+HK$3,737/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$141,794/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,126,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,554
−HK$4,550/mo
▼ 0.25% · 3.875%
HK$74,811
−HK$2,293/mo
Today · 4.125%
HK$77,104
baseline
▲ 0.50% · 4.625%
HK$81,796
+HK$4,692/mo
Deposit HK$10.61M · loan HK$15.91M · min. income ≈ HK$154,208/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,716
−HK$4,361/mo
▼ 0.25% · 3.875%
HK$82,881
−HK$2,196/mo
Today · 4.125%
HK$85,077
baseline
▲ 0.50% · 4.625%
HK$89,561
+HK$4,484/mo
Deposit HK$10.61M · loan HK$15.91M · min. income ≈ HK$170,154/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,647
−HK$5,308/mo
▼ 0.25% · 3.875%
HK$87,280
−HK$2,675/mo
Today · 4.125%
HK$89,955
baseline
▲ 0.50% · 4.625%
HK$95,428
+HK$5,473/mo
Deposit HK$7.95M · loan HK$18.56M · min. income ≈ HK$179,910/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,168
−HK$5,088/mo
▼ 0.25% · 3.875%
HK$96,694
−HK$2,562/mo
Today · 4.125%
HK$99,256
baseline
▲ 0.50% · 4.625%
HK$104,488
+HK$5,232/mo
Deposit HK$7.95M · loan HK$18.56M · min. income ≈ HK$198,512/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,831
−HK$6,825/mo
▼ 0.25% · 3.875%
HK$112,217
−HK$3,439/mo
Today · 4.125%
HK$115,656
baseline
▲ 0.50% · 4.625%
HK$122,693
+HK$7,037/mo
Deposit HK$2.65M · loan HK$23.86M · min. income ≈ HK$231,312/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,074
−HK$6,541/mo
▼ 0.25% · 3.875%
HK$124,321
−HK$3,294/mo
Today · 4.125%
HK$127,615
baseline
▲ 0.50% · 4.625%
HK$134,342
+HK$6,727/mo
Deposit HK$2.65M · loan HK$23.86M · min. income ≈ HK$255,230/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,903 · Scale 2, in force from 26 Feb 2026)