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$60,391
−HK$3,787/mo
▼ 0.25% · 3.875%
HK$62,269
−HK$1,909/mo
Today · 4.125%
HK$64,178
baseline
▲ 0.50% · 4.625%
HK$68,083
+HK$3,905/mo
Deposit HK$13.24M · loan HK$13.24M · min. income ≈ HK$128,356/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,125,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,184
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$68,986
−HK$1,828/mo
Today · 4.125%
HK$70,814
baseline
▲ 0.50% · 4.625%
HK$74,546
+HK$3,732/mo
Deposit HK$13.24M · loan HK$13.24M · min. income ≈ HK$141,628/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,125,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,469
−HK$4,544/mo
▼ 0.25% · 3.875%
HK$74,723
−HK$2,290/mo
Today · 4.125%
HK$77,013
baseline
▲ 0.50% · 4.625%
HK$81,699
+HK$4,686/mo
Deposit HK$10.59M · loan HK$15.89M · min. income ≈ HK$154,026/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,125,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,621
−HK$4,355/mo
▼ 0.25% · 3.875%
HK$82,783
−HK$2,193/mo
Today · 4.125%
HK$84,976
baseline
▲ 0.50% · 4.625%
HK$89,456
+HK$4,480/mo
Deposit HK$10.59M · loan HK$15.89M · min. income ≈ HK$169,952/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,125,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,547
−HK$5,302/mo
▼ 0.25% · 3.875%
HK$87,177
−HK$2,672/mo
Today · 4.125%
HK$89,849
baseline
▲ 0.50% · 4.625%
HK$95,316
+HK$5,467/mo
Deposit HK$7.95M · loan HK$18.54M · min. income ≈ HK$179,698/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,057
−HK$5,082/mo
▼ 0.25% · 3.875%
HK$96,580
−HK$2,559/mo
Today · 4.125%
HK$99,139
baseline
▲ 0.50% · 4.625%
HK$104,365
+HK$5,226/mo
Deposit HK$7.95M · loan HK$18.54M · min. income ≈ HK$198,278/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,703
−HK$6,817/mo
▼ 0.25% · 3.875%
HK$112,084
−HK$3,436/mo
Today · 4.125%
HK$115,520
baseline
▲ 0.50% · 4.625%
HK$122,549
+HK$7,029/mo
Deposit HK$2.65M · loan HK$23.84M · min. income ≈ HK$231,040/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,125,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,931
−HK$6,534/mo
▼ 0.25% · 3.875%
HK$124,174
−HK$3,291/mo
Today · 4.125%
HK$127,465
baseline
▲ 0.50% · 4.625%
HK$134,183
+HK$6,718/mo
Deposit HK$2.65M · loan HK$23.84M · min. income ≈ HK$254,930/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,125,575 · Scale 2, in force from 26 Feb 2026)