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$60,225
−HK$3,776/mo
▼ 0.25% · 3.875%
HK$62,098
−HK$1,903/mo
Today · 4.125%
HK$64,001
baseline
▲ 0.50% · 4.625%
HK$67,895
+HK$3,894/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$128,002/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,122,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,999
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$68,796
−HK$1,823/mo
Today · 4.125%
HK$70,619
baseline
▲ 0.50% · 4.625%
HK$74,341
+HK$3,722/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$141,238/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,122,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,269
−HK$4,532/mo
▼ 0.25% · 3.875%
HK$74,517
−HK$2,284/mo
Today · 4.125%
HK$76,801
baseline
▲ 0.50% · 4.625%
HK$81,475
+HK$4,674/mo
Deposit HK$10.56M · loan HK$15.85M · min. income ≈ HK$153,602/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,122,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,399
−HK$4,344/mo
▼ 0.25% · 3.875%
HK$82,555
−HK$2,188/mo
Today · 4.125%
HK$84,743
baseline
▲ 0.50% · 4.625%
HK$89,210
+HK$4,467/mo
Deposit HK$10.56M · loan HK$15.85M · min. income ≈ HK$169,486/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,122,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,314
−HK$5,288/mo
▼ 0.25% · 3.875%
HK$86,937
−HK$2,665/mo
Today · 4.125%
HK$89,602
baseline
▲ 0.50% · 4.625%
HK$95,054
+HK$5,452/mo
Deposit HK$7.92M · loan HK$18.49M · min. income ≈ HK$179,204/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,122,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,799
−HK$5,068/mo
▼ 0.25% · 3.875%
HK$96,314
−HK$2,553/mo
Today · 4.125%
HK$98,867
baseline
▲ 0.50% · 4.625%
HK$104,078
+HK$5,211/mo
Deposit HK$7.92M · loan HK$18.49M · min. income ≈ HK$197,734/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,122,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,404
−HK$6,798/mo
▼ 0.25% · 3.875%
HK$111,776
−HK$3,426/mo
Today · 4.125%
HK$115,202
baseline
▲ 0.50% · 4.625%
HK$122,212
+HK$7,010/mo
Deposit HK$2.64M · loan HK$23.77M · min. income ≈ HK$230,404/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,599
−HK$6,515/mo
▼ 0.25% · 3.875%
HK$123,833
−HK$3,281/mo
Today · 4.125%
HK$127,114
baseline
▲ 0.50% · 4.625%
HK$133,814
+HK$6,700/mo
Deposit HK$2.64M · loan HK$23.77M · min. income ≈ HK$254,228/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,480 · Scale 2, in force from 26 Feb 2026)