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$60,206
−HK$3,775/mo
▼ 0.25% · 3.875%
HK$62,079
−HK$1,902/mo
Today · 4.125%
HK$63,981
baseline
▲ 0.50% · 4.625%
HK$67,874
+HK$3,893/mo
Deposit HK$13.20M · loan HK$13.20M · min. income ≈ HK$127,962/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,122,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,978
−HK$3,619/mo
▼ 0.25% · 3.875%
HK$68,775
−HK$1,822/mo
Today · 4.125%
HK$70,597
baseline
▲ 0.50% · 4.625%
HK$74,318
+HK$3,721/mo
Deposit HK$13.20M · loan HK$13.20M · min. income ≈ HK$141,194/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,122,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,247
−HK$4,531/mo
▼ 0.25% · 3.875%
HK$74,494
−HK$2,284/mo
Today · 4.125%
HK$76,778
baseline
▲ 0.50% · 4.625%
HK$81,449
+HK$4,671/mo
Deposit HK$10.56M · loan HK$15.84M · min. income ≈ HK$153,556/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,122,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,374
−HK$4,343/mo
▼ 0.25% · 3.875%
HK$82,530
−HK$2,187/mo
Today · 4.125%
HK$84,717
baseline
▲ 0.50% · 4.625%
HK$89,182
+HK$4,465/mo
Deposit HK$10.56M · loan HK$15.84M · min. income ≈ HK$169,434/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,122,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,288
−HK$5,286/mo
▼ 0.25% · 3.875%
HK$86,910
−HK$2,664/mo
Today · 4.125%
HK$89,574
baseline
▲ 0.50% · 4.625%
HK$95,024
+HK$5,450/mo
Deposit HK$7.92M · loan HK$18.48M · min. income ≈ HK$179,148/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,122,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,770
−HK$5,066/mo
▼ 0.25% · 3.875%
HK$96,285
−HK$2,551/mo
Today · 4.125%
HK$98,836
baseline
▲ 0.50% · 4.625%
HK$104,046
+HK$5,210/mo
Deposit HK$7.92M · loan HK$18.48M · min. income ≈ HK$197,672/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,122,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,371
−HK$6,795/mo
▼ 0.25% · 3.875%
HK$111,742
−HK$3,424/mo
Today · 4.125%
HK$115,166
baseline
▲ 0.50% · 4.625%
HK$122,174
+HK$7,008/mo
Deposit HK$2.64M · loan HK$23.76M · min. income ≈ HK$230,332/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,561
−HK$6,514/mo
▼ 0.25% · 3.875%
HK$123,795
−HK$3,280/mo
Today · 4.125%
HK$127,075
baseline
▲ 0.50% · 4.625%
HK$133,773
+HK$6,698/mo
Deposit HK$2.64M · loan HK$23.76M · min. income ≈ HK$254,150/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,134 · Scale 2, in force from 26 Feb 2026)