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$60,456
−HK$3,791/mo
▼ 0.25% · 3.875%
HK$62,336
−HK$1,911/mo
Today · 4.125%
HK$64,247
baseline
▲ 0.50% · 4.625%
HK$68,156
+HK$3,909/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$128,494/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,126,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,257
−HK$3,633/mo
▼ 0.25% · 3.875%
HK$69,060
−HK$1,830/mo
Today · 4.125%
HK$70,890
baseline
▲ 0.50% · 4.625%
HK$74,627
+HK$3,737/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$141,780/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,126,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,547
−HK$4,549/mo
▼ 0.25% · 3.875%
HK$74,804
−HK$2,292/mo
Today · 4.125%
HK$77,096
baseline
▲ 0.50% · 4.625%
HK$81,788
+HK$4,692/mo
Deposit HK$10.61M · loan HK$15.91M · min. income ≈ HK$154,192/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,708
−HK$4,360/mo
▼ 0.25% · 3.875%
HK$82,872
−HK$2,196/mo
Today · 4.125%
HK$85,068
baseline
▲ 0.50% · 4.625%
HK$89,552
+HK$4,484/mo
Deposit HK$10.61M · loan HK$15.91M · min. income ≈ HK$170,136/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,638
−HK$5,308/mo
▼ 0.25% · 3.875%
HK$87,271
−HK$2,675/mo
Today · 4.125%
HK$89,946
baseline
▲ 0.50% · 4.625%
HK$95,419
+HK$5,473/mo
Deposit HK$7.95M · loan HK$18.56M · min. income ≈ HK$179,892/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,159
−HK$5,087/mo
▼ 0.25% · 3.875%
HK$96,684
−HK$2,562/mo
Today · 4.125%
HK$99,246
baseline
▲ 0.50% · 4.625%
HK$104,478
+HK$5,232/mo
Deposit HK$7.95M · loan HK$18.56M · min. income ≈ HK$198,492/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,821
−HK$6,824/mo
▼ 0.25% · 3.875%
HK$112,206
−HK$3,439/mo
Today · 4.125%
HK$115,645
baseline
▲ 0.50% · 4.625%
HK$122,681
+HK$7,036/mo
Deposit HK$2.65M · loan HK$23.86M · min. income ≈ HK$231,290/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,062
−HK$6,540/mo
▼ 0.25% · 3.875%
HK$124,309
−HK$3,293/mo
Today · 4.125%
HK$127,602
baseline
▲ 0.50% · 4.625%
HK$134,329
+HK$6,727/mo
Deposit HK$2.65M · loan HK$23.86M · min. income ≈ HK$255,204/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,793 · Scale 2, in force from 26 Feb 2026)