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$60,440
−HK$3,790/mo
▼ 0.25% · 3.875%
HK$62,320
−HK$1,910/mo
Today · 4.125%
HK$64,230
baseline
▲ 0.50% · 4.625%
HK$68,138
+HK$3,908/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$128,460/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,126,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,238
−HK$3,633/mo
▼ 0.25% · 3.875%
HK$69,042
−HK$1,829/mo
Today · 4.125%
HK$70,871
baseline
▲ 0.50% · 4.625%
HK$74,607
+HK$3,736/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$141,742/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,126,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,527
−HK$4,549/mo
▼ 0.25% · 3.875%
HK$74,783
−HK$2,293/mo
Today · 4.125%
HK$77,076
baseline
▲ 0.50% · 4.625%
HK$81,765
+HK$4,689/mo
Deposit HK$10.60M · loan HK$15.90M · min. income ≈ HK$154,152/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,686
−HK$4,359/mo
▼ 0.25% · 3.875%
HK$82,850
−HK$2,195/mo
Today · 4.125%
HK$85,045
baseline
▲ 0.50% · 4.625%
HK$89,528
+HK$4,483/mo
Deposit HK$10.60M · loan HK$15.90M · min. income ≈ HK$170,090/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,615
−HK$5,306/mo
▼ 0.25% · 3.875%
HK$87,247
−HK$2,674/mo
Today · 4.125%
HK$89,921
baseline
▲ 0.50% · 4.625%
HK$95,393
+HK$5,472/mo
Deposit HK$7.95M · loan HK$18.55M · min. income ≈ HK$179,842/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,134
−HK$5,086/mo
▼ 0.25% · 3.875%
HK$96,658
−HK$2,562/mo
Today · 4.125%
HK$99,220
baseline
▲ 0.50% · 4.625%
HK$104,449
+HK$5,229/mo
Deposit HK$7.95M · loan HK$18.55M · min. income ≈ HK$198,440/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,791
−HK$6,822/mo
▼ 0.25% · 3.875%
HK$112,175
−HK$3,438/mo
Today · 4.125%
HK$115,613
baseline
▲ 0.50% · 4.625%
HK$122,648
+HK$7,035/mo
Deposit HK$2.65M · loan HK$23.86M · min. income ≈ HK$231,226/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,029
−HK$6,539/mo
▼ 0.25% · 3.875%
HK$124,275
−HK$3,293/mo
Today · 4.125%
HK$127,568
baseline
▲ 0.50% · 4.625%
HK$134,292
+HK$6,724/mo
Deposit HK$2.65M · loan HK$23.86M · min. income ≈ HK$255,136/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,488 · Scale 2, in force from 26 Feb 2026)