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$60,461
−HK$3,791/mo
▼ 0.25% · 3.875%
HK$62,341
−HK$1,911/mo
Today · 4.125%
HK$64,252
baseline
▲ 0.50% · 4.625%
HK$68,162
+HK$3,910/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$128,504/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,126,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,262
−HK$3,634/mo
▼ 0.25% · 3.875%
HK$69,066
−HK$1,830/mo
Today · 4.125%
HK$70,896
baseline
▲ 0.50% · 4.625%
HK$74,633
+HK$3,737/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$141,792/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,126,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,553
−HK$4,550/mo
▼ 0.25% · 3.875%
HK$74,810
−HK$2,293/mo
Today · 4.125%
HK$77,103
baseline
▲ 0.50% · 4.625%
HK$81,794
+HK$4,691/mo
Deposit HK$10.61M · loan HK$15.91M · min. income ≈ HK$154,206/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,714
−HK$4,361/mo
▼ 0.25% · 3.875%
HK$82,879
−HK$2,196/mo
Today · 4.125%
HK$85,075
baseline
▲ 0.50% · 4.625%
HK$89,560
+HK$4,485/mo
Deposit HK$10.61M · loan HK$15.91M · min. income ≈ HK$170,150/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,645
−HK$5,308/mo
▼ 0.25% · 3.875%
HK$87,278
−HK$2,675/mo
Today · 4.125%
HK$89,953
baseline
▲ 0.50% · 4.625%
HK$95,427
+HK$5,474/mo
Deposit HK$7.95M · loan HK$18.56M · min. income ≈ HK$179,906/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,167
−HK$5,087/mo
▼ 0.25% · 3.875%
HK$96,692
−HK$2,562/mo
Today · 4.125%
HK$99,254
baseline
▲ 0.50% · 4.625%
HK$104,486
+HK$5,232/mo
Deposit HK$7.95M · loan HK$18.56M · min. income ≈ HK$198,508/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,829
−HK$6,825/mo
▼ 0.25% · 3.875%
HK$112,215
−HK$3,439/mo
Today · 4.125%
HK$115,654
baseline
▲ 0.50% · 4.625%
HK$122,691
+HK$7,037/mo
Deposit HK$2.65M · loan HK$23.86M · min. income ≈ HK$231,308/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,072
−HK$6,541/mo
▼ 0.25% · 3.875%
HK$124,319
−HK$3,294/mo
Today · 4.125%
HK$127,613
baseline
▲ 0.50% · 4.625%
HK$134,339
+HK$6,726/mo
Deposit HK$2.65M · loan HK$23.86M · min. income ≈ HK$255,226/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,884 · Scale 2, in force from 26 Feb 2026)