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$60,251
−HK$3,778/mo
▼ 0.25% · 3.875%
HK$62,125
−HK$1,904/mo
Today · 4.125%
HK$64,029
baseline
▲ 0.50% · 4.625%
HK$67,925
+HK$3,896/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$128,058/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,122,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,029
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$68,826
−HK$1,824/mo
Today · 4.125%
HK$70,650
baseline
▲ 0.50% · 4.625%
HK$74,374
+HK$3,724/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$141,300/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,122,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,301
−HK$4,534/mo
▼ 0.25% · 3.875%
HK$74,550
−HK$2,285/mo
Today · 4.125%
HK$76,835
baseline
▲ 0.50% · 4.625%
HK$81,510
+HK$4,675/mo
Deposit HK$10.57M · loan HK$15.85M · min. income ≈ HK$153,670/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,122,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,434
−HK$4,346/mo
▼ 0.25% · 3.875%
HK$82,592
−HK$2,188/mo
Today · 4.125%
HK$84,780
baseline
▲ 0.50% · 4.625%
HK$89,249
+HK$4,469/mo
Deposit HK$10.57M · loan HK$15.85M · min. income ≈ HK$169,560/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,122,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,351
−HK$5,290/mo
▼ 0.25% · 3.875%
HK$86,975
−HK$2,666/mo
Today · 4.125%
HK$89,641
baseline
▲ 0.50% · 4.625%
HK$95,095
+HK$5,454/mo
Deposit HK$7.93M · loan HK$18.50M · min. income ≈ HK$179,282/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,122,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,840
−HK$5,070/mo
▼ 0.25% · 3.875%
HK$96,357
−HK$2,553/mo
Today · 4.125%
HK$98,910
baseline
▲ 0.50% · 4.625%
HK$104,124
+HK$5,214/mo
Deposit HK$7.93M · loan HK$18.50M · min. income ≈ HK$197,820/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,122,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,452
−HK$6,801/mo
▼ 0.25% · 3.875%
HK$111,825
−HK$3,428/mo
Today · 4.125%
HK$115,253
baseline
▲ 0.50% · 4.625%
HK$122,265
+HK$7,012/mo
Deposit HK$2.64M · loan HK$23.78M · min. income ≈ HK$230,506/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,122,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,651
−HK$6,519/mo
▼ 0.25% · 3.875%
HK$123,887
−HK$3,283/mo
Today · 4.125%
HK$127,170
baseline
▲ 0.50% · 4.625%
HK$133,873
+HK$6,703/mo
Deposit HK$2.64M · loan HK$23.78M · min. income ≈ HK$254,340/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,122,973 · Scale 2, in force from 26 Feb 2026)