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$60,479
−HK$3,792/mo
▼ 0.25% · 3.875%
HK$62,360
−HK$1,911/mo
Today · 4.125%
HK$64,271
baseline
▲ 0.50% · 4.625%
HK$68,182
+HK$3,911/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$128,542/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,127,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,282
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$69,086
−HK$1,831/mo
Today · 4.125%
HK$70,917
baseline
▲ 0.50% · 4.625%
HK$74,655
+HK$3,738/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$141,834/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,127,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,574
−HK$4,551/mo
▼ 0.25% · 3.875%
HK$74,832
−HK$2,293/mo
Today · 4.125%
HK$77,125
baseline
▲ 0.50% · 4.625%
HK$81,818
+HK$4,693/mo
Deposit HK$10.61M · loan HK$15.91M · min. income ≈ HK$154,250/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,738
−HK$4,362/mo
▼ 0.25% · 3.875%
HK$82,904
−HK$2,196/mo
Today · 4.125%
HK$85,100
baseline
▲ 0.50% · 4.625%
HK$89,586
+HK$4,486/mo
Deposit HK$10.61M · loan HK$15.91M · min. income ≈ HK$170,200/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,670
−HK$5,310/mo
▼ 0.25% · 3.875%
HK$87,304
−HK$2,676/mo
Today · 4.125%
HK$89,980
baseline
▲ 0.50% · 4.625%
HK$95,455
+HK$5,475/mo
Deposit HK$7.96M · loan HK$18.57M · min. income ≈ HK$179,960/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,127,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,195
−HK$5,089/mo
▼ 0.25% · 3.875%
HK$96,721
−HK$2,563/mo
Today · 4.125%
HK$99,284
baseline
▲ 0.50% · 4.625%
HK$104,517
+HK$5,233/mo
Deposit HK$7.96M · loan HK$18.57M · min. income ≈ HK$198,568/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,127,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,861
−HK$6,827/mo
▼ 0.25% · 3.875%
HK$112,248
−HK$3,440/mo
Today · 4.125%
HK$115,688
baseline
▲ 0.50% · 4.625%
HK$122,727
+HK$7,039/mo
Deposit HK$2.65M · loan HK$23.87M · min. income ≈ HK$231,376/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,107
−HK$6,543/mo
▼ 0.25% · 3.875%
HK$124,355
−HK$3,295/mo
Today · 4.125%
HK$127,650
baseline
▲ 0.50% · 4.625%
HK$134,379
+HK$6,729/mo
Deposit HK$2.65M · loan HK$23.87M · min. income ≈ HK$255,300/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,216 · Scale 2, in force from 26 Feb 2026)