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$60,272
−HK$3,779/mo
▼ 0.25% · 3.875%
HK$62,146
−HK$1,905/mo
Today · 4.125%
HK$64,051
baseline
▲ 0.50% · 4.625%
HK$67,948
+HK$3,897/mo
Deposit HK$13.22M · loan HK$13.22M · min. income ≈ HK$128,102/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,051
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$68,850
−HK$1,824/mo
Today · 4.125%
HK$70,674
baseline
▲ 0.50% · 4.625%
HK$74,399
+HK$3,725/mo
Deposit HK$13.22M · loan HK$13.22M · min. income ≈ HK$141,348/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,326
−HK$4,535/mo
▼ 0.25% · 3.875%
HK$74,576
−HK$2,285/mo
Today · 4.125%
HK$76,861
baseline
▲ 0.50% · 4.625%
HK$81,538
+HK$4,677/mo
Deposit HK$10.57M · loan HK$15.86M · min. income ≈ HK$153,722/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,123,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,462
−HK$4,347/mo
▼ 0.25% · 3.875%
HK$82,620
−HK$2,189/mo
Today · 4.125%
HK$84,809
baseline
▲ 0.50% · 4.625%
HK$89,279
+HK$4,470/mo
Deposit HK$10.57M · loan HK$15.86M · min. income ≈ HK$169,618/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,123,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,380
−HK$5,292/mo
▼ 0.25% · 3.875%
HK$87,005
−HK$2,667/mo
Today · 4.125%
HK$89,672
baseline
▲ 0.50% · 4.625%
HK$95,128
+HK$5,456/mo
Deposit HK$7.93M · loan HK$18.50M · min. income ≈ HK$179,344/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,123,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,872
−HK$5,072/mo
▼ 0.25% · 3.875%
HK$96,390
−HK$2,554/mo
Today · 4.125%
HK$98,944
baseline
▲ 0.50% · 4.625%
HK$104,159
+HK$5,215/mo
Deposit HK$7.93M · loan HK$18.50M · min. income ≈ HK$197,888/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,123,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,489
−HK$6,803/mo
▼ 0.25% · 3.875%
HK$111,863
−HK$3,429/mo
Today · 4.125%
HK$115,292
baseline
▲ 0.50% · 4.625%
HK$122,307
+HK$7,015/mo
Deposit HK$2.64M · loan HK$23.79M · min. income ≈ HK$230,584/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,693
−HK$6,520/mo
▼ 0.25% · 3.875%
HK$123,930
−HK$3,283/mo
Today · 4.125%
HK$127,213
baseline
▲ 0.50% · 4.625%
HK$133,919
+HK$6,706/mo
Deposit HK$2.64M · loan HK$23.79M · min. income ≈ HK$254,426/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,357 · Scale 2, in force from 26 Feb 2026)