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$60,492
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$62,374
−HK$1,912/mo
Today · 4.125%
HK$64,286
baseline
▲ 0.50% · 4.625%
HK$68,197
+HK$3,911/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$128,572/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,127,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,297
−HK$3,636/mo
▼ 0.25% · 3.875%
HK$69,102
−HK$1,831/mo
Today · 4.125%
HK$70,933
baseline
▲ 0.50% · 4.625%
HK$74,672
+HK$3,739/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$141,866/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,127,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,591
−HK$4,552/mo
▼ 0.25% · 3.875%
HK$74,849
−HK$2,294/mo
Today · 4.125%
HK$77,143
baseline
▲ 0.50% · 4.625%
HK$81,837
+HK$4,694/mo
Deposit HK$10.61M · loan HK$15.92M · min. income ≈ HK$154,286/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,756
−HK$4,363/mo
▼ 0.25% · 3.875%
HK$82,922
−HK$2,197/mo
Today · 4.125%
HK$85,119
baseline
▲ 0.50% · 4.625%
HK$89,606
+HK$4,487/mo
Deposit HK$10.61M · loan HK$15.92M · min. income ≈ HK$170,238/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,689
−HK$5,311/mo
▼ 0.25% · 3.875%
HK$87,323
−HK$2,677/mo
Today · 4.125%
HK$90,000
baseline
▲ 0.50% · 4.625%
HK$95,476
+HK$5,476/mo
Deposit HK$7.96M · loan HK$18.57M · min. income ≈ HK$180,000/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,127,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,216
−HK$5,090/mo
▼ 0.25% · 3.875%
HK$96,743
−HK$2,563/mo
Today · 4.125%
HK$99,306
baseline
▲ 0.50% · 4.625%
HK$104,540
+HK$5,234/mo
Deposit HK$7.96M · loan HK$18.57M · min. income ≈ HK$198,612/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,127,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,886
−HK$6,828/mo
▼ 0.25% · 3.875%
HK$112,273
−HK$3,441/mo
Today · 4.125%
HK$115,714
baseline
▲ 0.50% · 4.625%
HK$122,755
+HK$7,041/mo
Deposit HK$2.65M · loan HK$23.88M · min. income ≈ HK$231,428/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,135
−HK$6,544/mo
▼ 0.25% · 3.875%
HK$124,383
−HK$3,296/mo
Today · 4.125%
HK$127,679
baseline
▲ 0.50% · 4.625%
HK$134,409
+HK$6,730/mo
Deposit HK$2.65M · loan HK$23.88M · min. income ≈ HK$255,358/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,469 · Scale 2, in force from 26 Feb 2026)