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$60,264
−HK$3,780/mo
▼ 0.25% · 3.875%
HK$62,139
−HK$1,905/mo
Today · 4.125%
HK$64,044
baseline
▲ 0.50% · 4.625%
HK$67,940
+HK$3,896/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$128,088/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,044
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$68,842
−HK$1,824/mo
Today · 4.125%
HK$70,666
baseline
▲ 0.50% · 4.625%
HK$74,391
+HK$3,725/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$141,332/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,317
−HK$4,535/mo
▼ 0.25% · 3.875%
HK$74,567
−HK$2,285/mo
Today · 4.125%
HK$76,852
baseline
▲ 0.50% · 4.625%
HK$81,529
+HK$4,677/mo
Deposit HK$10.57M · loan HK$15.86M · min. income ≈ HK$153,704/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,123,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,452
−HK$4,347/mo
▼ 0.25% · 3.875%
HK$82,610
−HK$2,189/mo
Today · 4.125%
HK$84,799
baseline
▲ 0.50% · 4.625%
HK$89,269
+HK$4,470/mo
Deposit HK$10.57M · loan HK$15.86M · min. income ≈ HK$169,598/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,123,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,370
−HK$5,291/mo
▼ 0.25% · 3.875%
HK$86,995
−HK$2,666/mo
Today · 4.125%
HK$89,661
baseline
▲ 0.50% · 4.625%
HK$95,117
+HK$5,456/mo
Deposit HK$7.93M · loan HK$18.50M · min. income ≈ HK$179,322/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,123,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,861
−HK$5,071/mo
▼ 0.25% · 3.875%
HK$96,378
−HK$2,554/mo
Today · 4.125%
HK$98,932
baseline
▲ 0.50% · 4.625%
HK$104,147
+HK$5,215/mo
Deposit HK$7.93M · loan HK$18.50M · min. income ≈ HK$197,864/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,123,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,476
−HK$6,802/mo
▼ 0.25% · 3.875%
HK$111,850
−HK$3,428/mo
Today · 4.125%
HK$115,278
baseline
▲ 0.50% · 4.625%
HK$122,293
+HK$7,015/mo
Deposit HK$2.64M · loan HK$23.79M · min. income ≈ HK$230,556/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,678
−HK$6,520/mo
▼ 0.25% · 3.875%
HK$123,915
−HK$3,283/mo
Today · 4.125%
HK$127,198
baseline
▲ 0.50% · 4.625%
HK$133,903
+HK$6,705/mo
Deposit HK$2.64M · loan HK$23.79M · min. income ≈ HK$254,396/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,225 · Scale 2, in force from 26 Feb 2026)