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$60,424
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$62,304
−HK$1,909/mo
Today · 4.125%
HK$64,213
baseline
▲ 0.50% · 4.625%
HK$68,121
+HK$3,908/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$128,426/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,126,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,221
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$69,024
−HK$1,829/mo
Today · 4.125%
HK$70,853
baseline
▲ 0.50% · 4.625%
HK$74,588
+HK$3,735/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$141,706/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,126,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,509
−HK$4,547/mo
▼ 0.25% · 3.875%
HK$74,765
−HK$2,291/mo
Today · 4.125%
HK$77,056
baseline
▲ 0.50% · 4.625%
HK$81,745
+HK$4,689/mo
Deposit HK$10.60M · loan HK$15.90M · min. income ≈ HK$154,112/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,666
−HK$4,358/mo
▼ 0.25% · 3.875%
HK$82,829
−HK$2,195/mo
Today · 4.125%
HK$85,024
baseline
▲ 0.50% · 4.625%
HK$89,506
+HK$4,482/mo
Deposit HK$10.60M · loan HK$15.90M · min. income ≈ HK$170,048/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,594
−HK$5,305/mo
▼ 0.25% · 3.875%
HK$87,225
−HK$2,674/mo
Today · 4.125%
HK$89,899
baseline
▲ 0.50% · 4.625%
HK$95,369
+HK$5,470/mo
Deposit HK$7.95M · loan HK$18.55M · min. income ≈ HK$179,798/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,110
−HK$5,085/mo
▼ 0.25% · 3.875%
HK$96,634
−HK$2,561/mo
Today · 4.125%
HK$99,195
baseline
▲ 0.50% · 4.625%
HK$104,423
+HK$5,228/mo
Deposit HK$7.95M · loan HK$18.55M · min. income ≈ HK$198,390/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,764
−HK$6,820/mo
▼ 0.25% · 3.875%
HK$112,147
−HK$3,437/mo
Today · 4.125%
HK$115,584
baseline
▲ 0.50% · 4.625%
HK$122,617
+HK$7,033/mo
Deposit HK$2.65M · loan HK$23.85M · min. income ≈ HK$231,168/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,999
−HK$6,537/mo
▼ 0.25% · 3.875%
HK$124,244
−HK$3,292/mo
Today · 4.125%
HK$127,536
baseline
▲ 0.50% · 4.625%
HK$134,258
+HK$6,722/mo
Deposit HK$2.65M · loan HK$23.85M · min. income ≈ HK$255,072/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,205 · Scale 2, in force from 26 Feb 2026)