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$60,227
−HK$3,777/mo
▼ 0.25% · 3.875%
HK$62,101
−HK$1,903/mo
Today · 4.125%
HK$64,004
baseline
▲ 0.50% · 4.625%
HK$67,899
+HK$3,895/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$128,008/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,122,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,002
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$68,799
−HK$1,823/mo
Today · 4.125%
HK$70,622
baseline
▲ 0.50% · 4.625%
HK$74,345
+HK$3,723/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$141,244/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,122,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,273
−HK$4,532/mo
▼ 0.25% · 3.875%
HK$74,521
−HK$2,284/mo
Today · 4.125%
HK$76,805
baseline
▲ 0.50% · 4.625%
HK$81,478
+HK$4,673/mo
Deposit HK$10.57M · loan HK$15.85M · min. income ≈ HK$153,610/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,122,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,403
−HK$4,344/mo
▼ 0.25% · 3.875%
HK$82,559
−HK$2,188/mo
Today · 4.125%
HK$84,747
baseline
▲ 0.50% · 4.625%
HK$89,214
+HK$4,467/mo
Deposit HK$10.57M · loan HK$15.85M · min. income ≈ HK$169,494/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,122,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,318
−HK$5,288/mo
▼ 0.25% · 3.875%
HK$86,941
−HK$2,665/mo
Today · 4.125%
HK$89,606
baseline
▲ 0.50% · 4.625%
HK$95,058
+HK$5,452/mo
Deposit HK$7.92M · loan HK$18.49M · min. income ≈ HK$179,212/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,122,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,803
−HK$5,068/mo
▼ 0.25% · 3.875%
HK$96,319
−HK$2,552/mo
Today · 4.125%
HK$98,871
baseline
▲ 0.50% · 4.625%
HK$104,083
+HK$5,212/mo
Deposit HK$7.92M · loan HK$18.49M · min. income ≈ HK$197,742/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,122,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,409
−HK$6,798/mo
▼ 0.25% · 3.875%
HK$111,781
−HK$3,426/mo
Today · 4.125%
HK$115,207
baseline
▲ 0.50% · 4.625%
HK$122,217
+HK$7,010/mo
Deposit HK$2.64M · loan HK$23.77M · min. income ≈ HK$230,414/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,604
−HK$6,516/mo
▼ 0.25% · 3.875%
HK$123,839
−HK$3,281/mo
Today · 4.125%
HK$127,120
baseline
▲ 0.50% · 4.625%
HK$133,821
+HK$6,701/mo
Deposit HK$2.64M · loan HK$23.77M · min. income ≈ HK$254,240/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,533 · Scale 2, in force from 26 Feb 2026)