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$60,508
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$62,390
−HK$1,912/mo
Today · 4.125%
HK$64,302
baseline
▲ 0.50% · 4.625%
HK$68,215
+HK$3,913/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$128,604/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,127,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,314
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$69,120
−HK$1,831/mo
Today · 4.125%
HK$70,951
baseline
▲ 0.50% · 4.625%
HK$74,691
+HK$3,740/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$141,902/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,127,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,609
−HK$4,554/mo
▼ 0.25% · 3.875%
HK$74,868
−HK$2,295/mo
Today · 4.125%
HK$77,163
baseline
▲ 0.50% · 4.625%
HK$81,858
+HK$4,695/mo
Deposit HK$10.61M · loan HK$15.92M · min. income ≈ HK$154,326/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,777
−HK$4,364/mo
▼ 0.25% · 3.875%
HK$82,944
−HK$2,197/mo
Today · 4.125%
HK$85,141
baseline
▲ 0.50% · 4.625%
HK$89,629
+HK$4,488/mo
Deposit HK$10.61M · loan HK$15.92M · min. income ≈ HK$170,282/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,711
−HK$5,312/mo
▼ 0.25% · 3.875%
HK$87,346
−HK$2,677/mo
Today · 4.125%
HK$90,023
baseline
▲ 0.50% · 4.625%
HK$95,501
+HK$5,478/mo
Deposit HK$7.96M · loan HK$18.57M · min. income ≈ HK$180,046/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,127,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,240
−HK$5,092/mo
▼ 0.25% · 3.875%
HK$96,768
−HK$2,564/mo
Today · 4.125%
HK$99,332
baseline
▲ 0.50% · 4.625%
HK$104,567
+HK$5,235/mo
Deposit HK$7.96M · loan HK$18.57M · min. income ≈ HK$198,664/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,127,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,914
−HK$6,830/mo
▼ 0.25% · 3.875%
HK$112,302
−HK$3,442/mo
Today · 4.125%
HK$115,744
baseline
▲ 0.50% · 4.625%
HK$122,787
+HK$7,043/mo
Deposit HK$2.65M · loan HK$23.88M · min. income ≈ HK$231,488/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,166
−HK$6,546/mo
▼ 0.25% · 3.875%
HK$124,415
−HK$3,297/mo
Today · 4.125%
HK$127,712
baseline
▲ 0.50% · 4.625%
HK$134,444
+HK$6,732/mo
Deposit HK$2.65M · loan HK$23.88M · min. income ≈ HK$255,424/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,760 · Scale 2, in force from 26 Feb 2026)