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$60,527
−HK$3,795/mo
▼ 0.25% · 3.875%
HK$62,409
−HK$1,913/mo
Today · 4.125%
HK$64,322
baseline
▲ 0.50% · 4.625%
HK$68,236
+HK$3,914/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$128,644/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,128,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,335
−HK$3,638/mo
▼ 0.25% · 3.875%
HK$69,141
−HK$1,832/mo
Today · 4.125%
HK$70,973
baseline
▲ 0.50% · 4.625%
HK$74,714
+HK$3,741/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$141,946/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,128,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,632
−HK$4,555/mo
▼ 0.25% · 3.875%
HK$74,891
−HK$2,296/mo
Today · 4.125%
HK$77,187
baseline
▲ 0.50% · 4.625%
HK$81,883
+HK$4,696/mo
Deposit HK$10.62M · loan HK$15.93M · min. income ≈ HK$154,374/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,802
−HK$4,366/mo
▼ 0.25% · 3.875%
HK$82,969
−HK$2,199/mo
Today · 4.125%
HK$85,168
baseline
▲ 0.50% · 4.625%
HK$89,657
+HK$4,489/mo
Deposit HK$10.62M · loan HK$15.93M · min. income ≈ HK$170,336/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,737
−HK$5,314/mo
▼ 0.25% · 3.875%
HK$87,373
−HK$2,678/mo
Today · 4.125%
HK$90,051
baseline
▲ 0.50% · 4.625%
HK$95,530
+HK$5,479/mo
Deposit HK$7.96M · loan HK$18.58M · min. income ≈ HK$180,102/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,128,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,269
−HK$5,093/mo
▼ 0.25% · 3.875%
HK$96,798
−HK$2,564/mo
Today · 4.125%
HK$99,362
baseline
▲ 0.50% · 4.625%
HK$104,600
+HK$5,238/mo
Deposit HK$7.96M · loan HK$18.58M · min. income ≈ HK$198,724/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,128,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,948
−HK$6,832/mo
▼ 0.25% · 3.875%
HK$112,337
−HK$3,443/mo
Today · 4.125%
HK$115,780
baseline
▲ 0.50% · 4.625%
HK$122,825
+HK$7,045/mo
Deposit HK$2.65M · loan HK$23.89M · min. income ≈ HK$231,560/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,128,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,204
−HK$6,548/mo
▼ 0.25% · 3.875%
HK$124,454
−HK$3,298/mo
Today · 4.125%
HK$127,752
baseline
▲ 0.50% · 4.625%
HK$134,486
+HK$6,734/mo
Deposit HK$2.65M · loan HK$23.89M · min. income ≈ HK$255,504/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,128,111 · Scale 2, in force from 26 Feb 2026)