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$60,455
−HK$3,791/mo
▼ 0.25% · 3.875%
HK$62,336
−HK$1,910/mo
Today · 4.125%
HK$64,246
baseline
▲ 0.50% · 4.625%
HK$68,156
+HK$3,910/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$128,492/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,126,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,256
−HK$3,633/mo
▼ 0.25% · 3.875%
HK$69,060
−HK$1,829/mo
Today · 4.125%
HK$70,889
baseline
▲ 0.50% · 4.625%
HK$74,626
+HK$3,737/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$141,778/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,126,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,546
−HK$4,550/mo
▼ 0.25% · 3.875%
HK$74,803
−HK$2,293/mo
Today · 4.125%
HK$77,096
baseline
▲ 0.50% · 4.625%
HK$81,787
+HK$4,691/mo
Deposit HK$10.60M · loan HK$15.91M · min. income ≈ HK$154,192/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,707
−HK$4,360/mo
▼ 0.25% · 3.875%
HK$82,872
−HK$2,195/mo
Today · 4.125%
HK$85,067
baseline
▲ 0.50% · 4.625%
HK$89,551
+HK$4,484/mo
Deposit HK$10.60M · loan HK$15.91M · min. income ≈ HK$170,134/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,637
−HK$5,308/mo
▼ 0.25% · 3.875%
HK$87,270
−HK$2,675/mo
Today · 4.125%
HK$89,945
baseline
▲ 0.50% · 4.625%
HK$95,418
+HK$5,473/mo
Deposit HK$7.95M · loan HK$18.56M · min. income ≈ HK$179,890/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,158
−HK$5,087/mo
▼ 0.25% · 3.875%
HK$96,683
−HK$2,562/mo
Today · 4.125%
HK$99,245
baseline
▲ 0.50% · 4.625%
HK$104,477
+HK$5,232/mo
Deposit HK$7.95M · loan HK$18.56M · min. income ≈ HK$198,490/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,819
−HK$6,824/mo
▼ 0.25% · 3.875%
HK$112,204
−HK$3,439/mo
Today · 4.125%
HK$115,643
baseline
▲ 0.50% · 4.625%
HK$122,680
+HK$7,037/mo
Deposit HK$2.65M · loan HK$23.86M · min. income ≈ HK$231,286/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,060
−HK$6,541/mo
▼ 0.25% · 3.875%
HK$124,307
−HK$3,294/mo
Today · 4.125%
HK$127,601
baseline
▲ 0.50% · 4.625%
HK$134,327
+HK$6,726/mo
Deposit HK$2.65M · loan HK$23.86M · min. income ≈ HK$255,202/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,780 · Scale 2, in force from 26 Feb 2026)