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$60,221
−HK$3,777/mo
▼ 0.25% · 3.875%
HK$62,094
−HK$1,904/mo
Today · 4.125%
HK$63,998
baseline
▲ 0.50% · 4.625%
HK$67,892
+HK$3,894/mo
Deposit HK$13.20M · loan HK$13.20M · min. income ≈ HK$127,996/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,122,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,996
−HK$3,619/mo
▼ 0.25% · 3.875%
HK$68,792
−HK$1,823/mo
Today · 4.125%
HK$70,615
baseline
▲ 0.50% · 4.625%
HK$74,337
+HK$3,722/mo
Deposit HK$13.20M · loan HK$13.20M · min. income ≈ HK$141,230/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,122,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,265
−HK$4,532/mo
▼ 0.25% · 3.875%
HK$74,513
−HK$2,284/mo
Today · 4.125%
HK$76,797
baseline
▲ 0.50% · 4.625%
HK$81,470
+HK$4,673/mo
Deposit HK$10.56M · loan HK$15.85M · min. income ≈ HK$153,594/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,122,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,395
−HK$4,343/mo
▼ 0.25% · 3.875%
HK$82,551
−HK$2,187/mo
Today · 4.125%
HK$84,738
baseline
▲ 0.50% · 4.625%
HK$89,205
+HK$4,467/mo
Deposit HK$10.56M · loan HK$15.85M · min. income ≈ HK$169,476/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,122,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,310
−HK$5,287/mo
▼ 0.25% · 3.875%
HK$86,932
−HK$2,665/mo
Today · 4.125%
HK$89,597
baseline
▲ 0.50% · 4.625%
HK$95,048
+HK$5,451/mo
Deposit HK$7.92M · loan HK$18.49M · min. income ≈ HK$179,194/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,122,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,794
−HK$5,067/mo
▼ 0.25% · 3.875%
HK$96,309
−HK$2,552/mo
Today · 4.125%
HK$98,861
baseline
▲ 0.50% · 4.625%
HK$104,072
+HK$5,211/mo
Deposit HK$7.92M · loan HK$18.49M · min. income ≈ HK$197,722/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,122,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,398
−HK$6,798/mo
▼ 0.25% · 3.875%
HK$111,770
−HK$3,426/mo
Today · 4.125%
HK$115,196
baseline
▲ 0.50% · 4.625%
HK$122,205
+HK$7,009/mo
Deposit HK$2.64M · loan HK$23.77M · min. income ≈ HK$230,392/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,592
−HK$6,515/mo
▼ 0.25% · 3.875%
HK$123,826
−HK$3,281/mo
Today · 4.125%
HK$127,107
baseline
▲ 0.50% · 4.625%
HK$133,807
+HK$6,700/mo
Deposit HK$2.64M · loan HK$23.77M · min. income ≈ HK$254,214/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,419 · Scale 2, in force from 26 Feb 2026)