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$60,425
−HK$3,790/mo
▼ 0.25% · 3.875%
HK$62,305
−HK$1,910/mo
Today · 4.125%
HK$64,215
baseline
▲ 0.50% · 4.625%
HK$68,122
+HK$3,907/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$128,430/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,126,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,223
−HK$3,632/mo
▼ 0.25% · 3.875%
HK$69,026
−HK$1,829/mo
Today · 4.125%
HK$70,855
baseline
▲ 0.50% · 4.625%
HK$74,589
+HK$3,734/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$141,710/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,126,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,511
−HK$4,547/mo
▼ 0.25% · 3.875%
HK$74,766
−HK$2,292/mo
Today · 4.125%
HK$77,058
baseline
▲ 0.50% · 4.625%
HK$81,746
+HK$4,688/mo
Deposit HK$10.60M · loan HK$15.90M · min. income ≈ HK$154,116/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,667
−HK$4,358/mo
▼ 0.25% · 3.875%
HK$82,831
−HK$2,194/mo
Today · 4.125%
HK$85,025
baseline
▲ 0.50% · 4.625%
HK$89,507
+HK$4,482/mo
Deposit HK$10.60M · loan HK$15.90M · min. income ≈ HK$170,050/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,596
−HK$5,305/mo
▼ 0.25% · 3.875%
HK$87,227
−HK$2,674/mo
Today · 4.125%
HK$89,901
baseline
▲ 0.50% · 4.625%
HK$95,371
+HK$5,470/mo
Deposit HK$7.95M · loan HK$18.55M · min. income ≈ HK$179,802/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,112
−HK$5,084/mo
▼ 0.25% · 3.875%
HK$96,636
−HK$2,560/mo
Today · 4.125%
HK$99,196
baseline
▲ 0.50% · 4.625%
HK$104,425
+HK$5,229/mo
Deposit HK$7.95M · loan HK$18.55M · min. income ≈ HK$198,392/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,766
−HK$6,820/mo
▼ 0.25% · 3.875%
HK$112,149
−HK$3,437/mo
Today · 4.125%
HK$115,586
baseline
▲ 0.50% · 4.625%
HK$122,620
+HK$7,034/mo
Deposit HK$2.65M · loan HK$23.85M · min. income ≈ HK$231,172/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,001
−HK$6,537/mo
▼ 0.25% · 3.875%
HK$124,246
−HK$3,292/mo
Today · 4.125%
HK$127,538
baseline
▲ 0.50% · 4.625%
HK$134,261
+HK$6,723/mo
Deposit HK$2.65M · loan HK$23.85M · min. income ≈ HK$255,076/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,225 · Scale 2, in force from 26 Feb 2026)