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$60,510
−HK$3,795/mo
▼ 0.25% · 3.875%
HK$62,392
−HK$1,913/mo
Today · 4.125%
HK$64,305
baseline
▲ 0.50% · 4.625%
HK$68,217
+HK$3,912/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$128,610/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,127,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,317
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$69,122
−HK$1,832/mo
Today · 4.125%
HK$70,954
baseline
▲ 0.50% · 4.625%
HK$74,694
+HK$3,740/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$141,908/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,127,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,612
−HK$4,554/mo
▼ 0.25% · 3.875%
HK$74,871
−HK$2,295/mo
Today · 4.125%
HK$77,166
baseline
▲ 0.50% · 4.625%
HK$81,861
+HK$4,695/mo
Deposit HK$10.61M · loan HK$15.92M · min. income ≈ HK$154,332/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,780
−HK$4,365/mo
▼ 0.25% · 3.875%
HK$82,947
−HK$2,198/mo
Today · 4.125%
HK$85,145
baseline
▲ 0.50% · 4.625%
HK$89,633
+HK$4,488/mo
Deposit HK$10.61M · loan HK$15.92M · min. income ≈ HK$170,290/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,714
−HK$5,313/mo
▼ 0.25% · 3.875%
HK$87,349
−HK$2,678/mo
Today · 4.125%
HK$90,027
baseline
▲ 0.50% · 4.625%
HK$95,504
+HK$5,477/mo
Deposit HK$7.96M · loan HK$18.58M · min. income ≈ HK$180,054/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,127,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,244
−HK$5,091/mo
▼ 0.25% · 3.875%
HK$96,771
−HK$2,564/mo
Today · 4.125%
HK$99,335
baseline
▲ 0.50% · 4.625%
HK$104,572
+HK$5,237/mo
Deposit HK$7.96M · loan HK$18.58M · min. income ≈ HK$198,670/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,127,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,918
−HK$6,830/mo
▼ 0.25% · 3.875%
HK$112,306
−HK$3,442/mo
Today · 4.125%
HK$115,748
baseline
▲ 0.50% · 4.625%
HK$122,791
+HK$7,043/mo
Deposit HK$2.65M · loan HK$23.88M · min. income ≈ HK$231,496/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,171
−HK$6,546/mo
▼ 0.25% · 3.875%
HK$124,420
−HK$3,297/mo
Today · 4.125%
HK$127,717
baseline
▲ 0.50% · 4.625%
HK$134,449
+HK$6,732/mo
Deposit HK$2.65M · loan HK$23.88M · min. income ≈ HK$255,434/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,805 · Scale 2, in force from 26 Feb 2026)