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$60,452
−HK$3,791/mo
▼ 0.25% · 3.875%
HK$62,333
−HK$1,910/mo
Today · 4.125%
HK$64,243
baseline
▲ 0.50% · 4.625%
HK$68,152
+HK$3,909/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$128,486/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,126,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,252
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$69,056
−HK$1,830/mo
Today · 4.125%
HK$70,886
baseline
▲ 0.50% · 4.625%
HK$74,622
+HK$3,736/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$141,772/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,126,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,543
−HK$4,549/mo
▼ 0.25% · 3.875%
HK$74,799
−HK$2,293/mo
Today · 4.125%
HK$77,092
baseline
▲ 0.50% · 4.625%
HK$81,782
+HK$4,690/mo
Deposit HK$10.60M · loan HK$15.91M · min. income ≈ HK$154,184/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,703
−HK$4,360/mo
▼ 0.25% · 3.875%
HK$82,867
−HK$2,196/mo
Today · 4.125%
HK$85,063
baseline
▲ 0.50% · 4.625%
HK$89,547
+HK$4,484/mo
Deposit HK$10.60M · loan HK$15.91M · min. income ≈ HK$170,126/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,633
−HK$5,307/mo
▼ 0.25% · 3.875%
HK$87,266
−HK$2,674/mo
Today · 4.125%
HK$89,940
baseline
▲ 0.50% · 4.625%
HK$95,413
+HK$5,473/mo
Deposit HK$7.95M · loan HK$18.56M · min. income ≈ HK$179,880/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,153
−HK$5,087/mo
▼ 0.25% · 3.875%
HK$96,678
−HK$2,562/mo
Today · 4.125%
HK$99,240
baseline
▲ 0.50% · 4.625%
HK$104,471
+HK$5,231/mo
Deposit HK$7.95M · loan HK$18.56M · min. income ≈ HK$198,480/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,814
−HK$6,823/mo
▼ 0.25% · 3.875%
HK$112,199
−HK$3,438/mo
Today · 4.125%
HK$115,637
baseline
▲ 0.50% · 4.625%
HK$122,674
+HK$7,037/mo
Deposit HK$2.65M · loan HK$23.86M · min. income ≈ HK$231,274/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,054
−HK$6,540/mo
▼ 0.25% · 3.875%
HK$124,301
−HK$3,293/mo
Today · 4.125%
HK$127,594
baseline
▲ 0.50% · 4.625%
HK$134,320
+HK$6,726/mo
Deposit HK$2.65M · loan HK$23.86M · min. income ≈ HK$255,188/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,722 · Scale 2, in force from 26 Feb 2026)