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$60,276
−HK$3,780/mo
▼ 0.25% · 3.875%
HK$62,151
−HK$1,905/mo
Today · 4.125%
HK$64,056
baseline
▲ 0.50% · 4.625%
HK$67,954
+HK$3,898/mo
Deposit HK$13.22M · loan HK$13.22M · min. income ≈ HK$128,112/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,056
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$68,855
−HK$1,824/mo
Today · 4.125%
HK$70,679
baseline
▲ 0.50% · 4.625%
HK$74,405
+HK$3,726/mo
Deposit HK$13.22M · loan HK$13.22M · min. income ≈ HK$141,358/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,331
−HK$4,536/mo
▼ 0.25% · 3.875%
HK$74,581
−HK$2,286/mo
Today · 4.125%
HK$76,867
baseline
▲ 0.50% · 4.625%
HK$81,544
+HK$4,677/mo
Deposit HK$10.57M · loan HK$15.86M · min. income ≈ HK$153,734/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,123,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,468
−HK$4,347/mo
▼ 0.25% · 3.875%
HK$82,626
−HK$2,189/mo
Today · 4.125%
HK$84,815
baseline
▲ 0.50% · 4.625%
HK$89,286
+HK$4,471/mo
Deposit HK$10.57M · loan HK$15.86M · min. income ≈ HK$169,630/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,123,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,386
−HK$5,292/mo
▼ 0.25% · 3.875%
HK$87,011
−HK$2,667/mo
Today · 4.125%
HK$89,678
baseline
▲ 0.50% · 4.625%
HK$95,135
+HK$5,457/mo
Deposit HK$7.93M · loan HK$18.50M · min. income ≈ HK$179,356/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,123,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,879
−HK$5,072/mo
▼ 0.25% · 3.875%
HK$96,397
−HK$2,554/mo
Today · 4.125%
HK$98,951
baseline
▲ 0.50% · 4.625%
HK$104,167
+HK$5,216/mo
Deposit HK$7.93M · loan HK$18.50M · min. income ≈ HK$197,902/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,123,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,497
−HK$6,804/mo
▼ 0.25% · 3.875%
HK$111,872
−HK$3,429/mo
Today · 4.125%
HK$115,301
baseline
▲ 0.50% · 4.625%
HK$122,316
+HK$7,015/mo
Deposit HK$2.64M · loan HK$23.79M · min. income ≈ HK$230,602/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,702
−HK$6,521/mo
▼ 0.25% · 3.875%
HK$123,939
−HK$3,284/mo
Today · 4.125%
HK$127,223
baseline
▲ 0.50% · 4.625%
HK$133,929
+HK$6,706/mo
Deposit HK$2.64M · loan HK$23.79M · min. income ≈ HK$254,446/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,441 · Scale 2, in force from 26 Feb 2026)