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$60,429
−HK$3,790/mo
▼ 0.25% · 3.875%
HK$62,309
−HK$1,910/mo
Today · 4.125%
HK$64,219
baseline
▲ 0.50% · 4.625%
HK$68,126
+HK$3,907/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$128,438/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,126,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,227
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$69,030
−HK$1,829/mo
Today · 4.125%
HK$70,859
baseline
▲ 0.50% · 4.625%
HK$74,594
+HK$3,735/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$141,718/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,126,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,515
−HK$4,547/mo
▼ 0.25% · 3.875%
HK$74,771
−HK$2,291/mo
Today · 4.125%
HK$77,062
baseline
▲ 0.50% · 4.625%
HK$81,751
+HK$4,689/mo
Deposit HK$10.60M · loan HK$15.90M · min. income ≈ HK$154,124/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,672
−HK$4,359/mo
▼ 0.25% · 3.875%
HK$82,836
−HK$2,195/mo
Today · 4.125%
HK$85,031
baseline
▲ 0.50% · 4.625%
HK$89,513
+HK$4,482/mo
Deposit HK$10.60M · loan HK$15.90M · min. income ≈ HK$170,062/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,601
−HK$5,305/mo
▼ 0.25% · 3.875%
HK$87,232
−HK$2,674/mo
Today · 4.125%
HK$89,906
baseline
▲ 0.50% · 4.625%
HK$95,377
+HK$5,471/mo
Deposit HK$7.95M · loan HK$18.55M · min. income ≈ HK$179,812/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,117
−HK$5,085/mo
▼ 0.25% · 3.875%
HK$96,642
−HK$2,560/mo
Today · 4.125%
HK$99,202
baseline
▲ 0.50% · 4.625%
HK$104,431
+HK$5,229/mo
Deposit HK$7.95M · loan HK$18.55M · min. income ≈ HK$198,404/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,772
−HK$6,821/mo
▼ 0.25% · 3.875%
HK$112,156
−HK$3,437/mo
Today · 4.125%
HK$115,593
baseline
▲ 0.50% · 4.625%
HK$122,627
+HK$7,034/mo
Deposit HK$2.65M · loan HK$23.85M · min. income ≈ HK$231,186/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,008
−HK$6,538/mo
▼ 0.25% · 3.875%
HK$124,254
−HK$3,292/mo
Today · 4.125%
HK$127,546
baseline
▲ 0.50% · 4.625%
HK$134,269
+HK$6,723/mo
Deposit HK$2.65M · loan HK$23.85M · min. income ≈ HK$255,092/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,294 · Scale 2, in force from 26 Feb 2026)