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$60,435
−HK$3,790/mo
▼ 0.25% · 3.875%
HK$62,315
−HK$1,910/mo
Today · 4.125%
HK$64,225
baseline
▲ 0.50% · 4.625%
HK$68,133
+HK$3,908/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$128,450/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,126,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,233
−HK$3,633/mo
▼ 0.25% · 3.875%
HK$69,037
−HK$1,829/mo
Today · 4.125%
HK$70,866
baseline
▲ 0.50% · 4.625%
HK$74,601
+HK$3,735/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$141,732/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,126,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,522
−HK$4,548/mo
▼ 0.25% · 3.875%
HK$74,778
−HK$2,292/mo
Today · 4.125%
HK$77,070
baseline
▲ 0.50% · 4.625%
HK$81,759
+HK$4,689/mo
Deposit HK$10.60M · loan HK$15.90M · min. income ≈ HK$154,140/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,680
−HK$4,359/mo
▼ 0.25% · 3.875%
HK$82,844
−HK$2,195/mo
Today · 4.125%
HK$85,039
baseline
▲ 0.50% · 4.625%
HK$89,522
+HK$4,483/mo
Deposit HK$10.60M · loan HK$15.90M · min. income ≈ HK$170,078/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,609
−HK$5,306/mo
▼ 0.25% · 3.875%
HK$87,241
−HK$2,674/mo
Today · 4.125%
HK$89,915
baseline
▲ 0.50% · 4.625%
HK$95,386
+HK$5,471/mo
Deposit HK$7.95M · loan HK$18.55M · min. income ≈ HK$179,830/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,127
−HK$5,085/mo
▼ 0.25% · 3.875%
HK$96,651
−HK$2,561/mo
Today · 4.125%
HK$99,212
baseline
▲ 0.50% · 4.625%
HK$104,442
+HK$5,230/mo
Deposit HK$7.95M · loan HK$18.55M · min. income ≈ HK$198,424/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,783
−HK$6,822/mo
▼ 0.25% · 3.875%
HK$112,167
−HK$3,438/mo
Today · 4.125%
HK$115,605
baseline
▲ 0.50% · 4.625%
HK$122,639
+HK$7,034/mo
Deposit HK$2.65M · loan HK$23.85M · min. income ≈ HK$231,210/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,020
−HK$6,539/mo
▼ 0.25% · 3.875%
HK$124,266
−HK$3,293/mo
Today · 4.125%
HK$127,559
baseline
▲ 0.50% · 4.625%
HK$134,282
+HK$6,723/mo
Deposit HK$2.65M · loan HK$23.85M · min. income ≈ HK$255,118/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,406 · Scale 2, in force from 26 Feb 2026)