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$60,407
−HK$3,788/mo
▼ 0.25% · 3.875%
HK$62,286
−HK$1,909/mo
Today · 4.125%
HK$64,195
baseline
▲ 0.50% · 4.625%
HK$68,101
+HK$3,906/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$128,390/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,125,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,202
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$69,005
−HK$1,828/mo
Today · 4.125%
HK$70,833
baseline
▲ 0.50% · 4.625%
HK$74,567
+HK$3,734/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$141,666/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,125,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,488
−HK$4,546/mo
▼ 0.25% · 3.875%
HK$74,743
−HK$2,291/mo
Today · 4.125%
HK$77,034
baseline
▲ 0.50% · 4.625%
HK$81,721
+HK$4,687/mo
Deposit HK$10.60M · loan HK$15.89M · min. income ≈ HK$154,068/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,125,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,643
−HK$4,357/mo
▼ 0.25% · 3.875%
HK$82,805
−HK$2,195/mo
Today · 4.125%
HK$85,000
baseline
▲ 0.50% · 4.625%
HK$89,480
+HK$4,480/mo
Deposit HK$10.60M · loan HK$15.89M · min. income ≈ HK$170,000/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,125,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,570
−HK$5,303/mo
▼ 0.25% · 3.875%
HK$87,200
−HK$2,673/mo
Today · 4.125%
HK$89,873
baseline
▲ 0.50% · 4.625%
HK$95,342
+HK$5,469/mo
Deposit HK$7.95M · loan HK$18.54M · min. income ≈ HK$179,746/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,083
−HK$5,083/mo
▼ 0.25% · 3.875%
HK$96,606
−HK$2,560/mo
Today · 4.125%
HK$99,166
baseline
▲ 0.50% · 4.625%
HK$104,393
+HK$5,227/mo
Deposit HK$7.95M · loan HK$18.54M · min. income ≈ HK$198,332/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,733
−HK$6,818/mo
▼ 0.25% · 3.875%
HK$112,115
−HK$3,436/mo
Today · 4.125%
HK$115,551
baseline
▲ 0.50% · 4.625%
HK$122,582
+HK$7,031/mo
Deposit HK$2.65M · loan HK$23.84M · min. income ≈ HK$231,102/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,125,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,964
−HK$6,535/mo
▼ 0.25% · 3.875%
HK$124,208
−HK$3,291/mo
Today · 4.125%
HK$127,499
baseline
▲ 0.50% · 4.625%
HK$134,220
+HK$6,721/mo
Deposit HK$2.65M · loan HK$23.84M · min. income ≈ HK$254,998/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,125,882 · Scale 2, in force from 26 Feb 2026)