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$60,274
−HK$3,780/mo
▼ 0.25% · 3.875%
HK$62,149
−HK$1,905/mo
Today · 4.125%
HK$64,054
baseline
▲ 0.50% · 4.625%
HK$67,951
+HK$3,897/mo
Deposit HK$13.22M · loan HK$13.22M · min. income ≈ HK$128,108/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,054
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$68,852
−HK$1,825/mo
Today · 4.125%
HK$70,677
baseline
▲ 0.50% · 4.625%
HK$74,402
+HK$3,725/mo
Deposit HK$13.22M · loan HK$13.22M · min. income ≈ HK$141,354/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,329
−HK$4,535/mo
▼ 0.25% · 3.875%
HK$74,578
−HK$2,286/mo
Today · 4.125%
HK$76,864
baseline
▲ 0.50% · 4.625%
HK$81,541
+HK$4,677/mo
Deposit HK$10.57M · loan HK$15.86M · min. income ≈ HK$153,728/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,123,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,465
−HK$4,347/mo
▼ 0.25% · 3.875%
HK$82,623
−HK$2,189/mo
Today · 4.125%
HK$84,812
baseline
▲ 0.50% · 4.625%
HK$89,283
+HK$4,471/mo
Deposit HK$10.57M · loan HK$15.86M · min. income ≈ HK$169,624/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,123,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,383
−HK$5,292/mo
▼ 0.25% · 3.875%
HK$87,008
−HK$2,667/mo
Today · 4.125%
HK$89,675
baseline
▲ 0.50% · 4.625%
HK$95,131
+HK$5,456/mo
Deposit HK$7.93M · loan HK$18.50M · min. income ≈ HK$179,350/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,123,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,876
−HK$5,071/mo
▼ 0.25% · 3.875%
HK$96,393
−HK$2,554/mo
Today · 4.125%
HK$98,947
baseline
▲ 0.50% · 4.625%
HK$104,163
+HK$5,216/mo
Deposit HK$7.93M · loan HK$18.50M · min. income ≈ HK$197,894/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,123,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,493
−HK$6,803/mo
▼ 0.25% · 3.875%
HK$111,868
−HK$3,428/mo
Today · 4.125%
HK$115,296
baseline
▲ 0.50% · 4.625%
HK$122,312
+HK$7,016/mo
Deposit HK$2.64M · loan HK$23.79M · min. income ≈ HK$230,592/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,697
−HK$6,521/mo
▼ 0.25% · 3.875%
HK$123,934
−HK$3,284/mo
Today · 4.125%
HK$127,218
baseline
▲ 0.50% · 4.625%
HK$133,924
+HK$6,706/mo
Deposit HK$2.64M · loan HK$23.79M · min. income ≈ HK$254,436/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,399 · Scale 2, in force from 26 Feb 2026)