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$60,587
−HK$3,800/mo
▼ 0.25% · 3.875%
HK$62,472
−HK$1,915/mo
Today · 4.125%
HK$64,387
baseline
▲ 0.50% · 4.625%
HK$68,304
+HK$3,917/mo
Deposit HK$13.29M · loan HK$13.29M · min. income ≈ HK$128,774/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,129,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,403
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$69,210
−HK$1,834/mo
Today · 4.125%
HK$71,044
baseline
▲ 0.50% · 4.625%
HK$74,789
+HK$3,745/mo
Deposit HK$13.29M · loan HK$13.29M · min. income ≈ HK$142,088/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,129,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,705
−HK$4,559/mo
▼ 0.25% · 3.875%
HK$74,966
−HK$2,298/mo
Today · 4.125%
HK$77,264
baseline
▲ 0.50% · 4.625%
HK$81,965
+HK$4,701/mo
Deposit HK$10.63M · loan HK$15.94M · min. income ≈ HK$154,528/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,129,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,883
−HK$4,370/mo
▼ 0.25% · 3.875%
HK$83,052
−HK$2,201/mo
Today · 4.125%
HK$85,253
baseline
▲ 0.50% · 4.625%
HK$89,747
+HK$4,494/mo
Deposit HK$10.63M · loan HK$15.94M · min. income ≈ HK$170,506/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,129,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,822
−HK$5,319/mo
▼ 0.25% · 3.875%
HK$87,460
−HK$2,681/mo
Today · 4.125%
HK$90,141
baseline
▲ 0.50% · 4.625%
HK$95,626
+HK$5,485/mo
Deposit HK$7.97M · loan HK$18.60M · min. income ≈ HK$180,282/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,129,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,364
−HK$5,098/mo
▼ 0.25% · 3.875%
HK$96,894
−HK$2,568/mo
Today · 4.125%
HK$99,462
baseline
▲ 0.50% · 4.625%
HK$104,705
+HK$5,243/mo
Deposit HK$7.97M · loan HK$18.60M · min. income ≈ HK$198,924/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,129,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,057
−HK$6,839/mo
▼ 0.25% · 3.875%
HK$112,449
−HK$3,447/mo
Today · 4.125%
HK$115,896
baseline
▲ 0.50% · 4.625%
HK$122,948
+HK$7,052/mo
Deposit HK$2.66M · loan HK$23.91M · min. income ≈ HK$231,792/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,129,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,325
−HK$6,554/mo
▼ 0.25% · 3.875%
HK$124,579
−HK$3,300/mo
Today · 4.125%
HK$127,879
baseline
▲ 0.50% · 4.625%
HK$134,620
+HK$6,741/mo
Deposit HK$2.66M · loan HK$23.91M · min. income ≈ HK$255,758/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,129,239 · Scale 2, in force from 26 Feb 2026)