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$60,147
−HK$3,772/mo
▼ 0.25% · 3.875%
HK$62,018
−HK$1,901/mo
Today · 4.125%
HK$63,919
baseline
▲ 0.50% · 4.625%
HK$67,808
+HK$3,889/mo
Deposit HK$13.19M · loan HK$13.19M · min. income ≈ HK$127,838/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,121,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,913
−HK$3,615/mo
▼ 0.25% · 3.875%
HK$68,708
−HK$1,820/mo
Today · 4.125%
HK$70,528
baseline
▲ 0.50% · 4.625%
HK$74,246
+HK$3,718/mo
Deposit HK$13.19M · loan HK$13.19M · min. income ≈ HK$141,056/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,121,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,176
−HK$4,527/mo
▼ 0.25% · 3.875%
HK$74,422
−HK$2,281/mo
Today · 4.125%
HK$76,703
baseline
▲ 0.50% · 4.625%
HK$81,370
+HK$4,667/mo
Deposit HK$10.55M · loan HK$15.83M · min. income ≈ HK$153,406/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,121,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,296
−HK$4,338/mo
▼ 0.25% · 3.875%
HK$82,449
−HK$2,185/mo
Today · 4.125%
HK$84,634
baseline
▲ 0.50% · 4.625%
HK$89,095
+HK$4,461/mo
Deposit HK$10.55M · loan HK$15.83M · min. income ≈ HK$169,268/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,121,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,206
−HK$5,280/mo
▼ 0.25% · 3.875%
HK$86,825
−HK$2,661/mo
Today · 4.125%
HK$89,486
baseline
▲ 0.50% · 4.625%
HK$94,931
+HK$5,445/mo
Deposit HK$7.91M · loan HK$18.46M · min. income ≈ HK$178,972/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,121,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,678
−HK$5,061/mo
▼ 0.25% · 3.875%
HK$96,191
−HK$2,548/mo
Today · 4.125%
HK$98,739
baseline
▲ 0.50% · 4.625%
HK$103,944
+HK$5,205/mo
Deposit HK$7.91M · loan HK$18.46M · min. income ≈ HK$197,478/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,121,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,265
−HK$6,789/mo
▼ 0.25% · 3.875%
HK$111,632
−HK$3,422/mo
Today · 4.125%
HK$115,054
baseline
▲ 0.50% · 4.625%
HK$122,055
+HK$7,001/mo
Deposit HK$2.64M · loan HK$23.74M · min. income ≈ HK$230,108/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,443
−HK$6,508/mo
▼ 0.25% · 3.875%
HK$123,674
−HK$3,277/mo
Today · 4.125%
HK$126,951
baseline
▲ 0.50% · 4.625%
HK$133,642
+HK$6,691/mo
Deposit HK$2.64M · loan HK$23.74M · min. income ≈ HK$253,902/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,037 · Scale 2, in force from 26 Feb 2026)