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$60,314
−HK$3,782/mo
▼ 0.25% · 3.875%
HK$62,190
−HK$1,906/mo
Today · 4.125%
HK$64,096
baseline
▲ 0.50% · 4.625%
HK$67,997
+HK$3,901/mo
Deposit HK$13.23M · loan HK$13.23M · min. income ≈ HK$128,192/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,124,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,099
−HK$3,625/mo
▼ 0.25% · 3.875%
HK$68,899
−HK$1,825/mo
Today · 4.125%
HK$70,724
baseline
▲ 0.50% · 4.625%
HK$74,452
+HK$3,728/mo
Deposit HK$13.23M · loan HK$13.23M · min. income ≈ HK$141,448/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,124,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,377
−HK$4,539/mo
▼ 0.25% · 3.875%
HK$74,628
−HK$2,288/mo
Today · 4.125%
HK$76,916
baseline
▲ 0.50% · 4.625%
HK$81,596
+HK$4,680/mo
Deposit HK$10.58M · loan HK$15.87M · min. income ≈ HK$153,832/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,124,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,519
−HK$4,350/mo
▼ 0.25% · 3.875%
HK$82,678
−HK$2,191/mo
Today · 4.125%
HK$84,869
baseline
▲ 0.50% · 4.625%
HK$89,343
+HK$4,474/mo
Deposit HK$10.58M · loan HK$15.87M · min. income ≈ HK$169,738/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,124,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,440
−HK$5,295/mo
▼ 0.25% · 3.875%
HK$87,066
−HK$2,669/mo
Today · 4.125%
HK$89,735
baseline
▲ 0.50% · 4.625%
HK$95,195
+HK$5,460/mo
Deposit HK$7.94M · loan HK$18.52M · min. income ≈ HK$179,470/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,124,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,939
−HK$5,075/mo
▼ 0.25% · 3.875%
HK$96,458
−HK$2,556/mo
Today · 4.125%
HK$99,014
baseline
▲ 0.50% · 4.625%
HK$104,233
+HK$5,219/mo
Deposit HK$7.94M · loan HK$18.52M · min. income ≈ HK$198,028/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,124,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,566
−HK$6,808/mo
▼ 0.25% · 3.875%
HK$111,943
−HK$3,431/mo
Today · 4.125%
HK$115,374
baseline
▲ 0.50% · 4.625%
HK$122,394
+HK$7,020/mo
Deposit HK$2.65M · loan HK$23.81M · min. income ≈ HK$230,748/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,778
−HK$6,525/mo
▼ 0.25% · 3.875%
HK$124,017
−HK$3,286/mo
Today · 4.125%
HK$127,303
baseline
▲ 0.50% · 4.625%
HK$134,014
+HK$6,711/mo
Deposit HK$2.65M · loan HK$23.81M · min. income ≈ HK$254,606/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,153 · Scale 2, in force from 26 Feb 2026)