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$60,104
−HK$3,769/mo
▼ 0.25% · 3.875%
HK$61,973
−HK$1,900/mo
Today · 4.125%
HK$63,873
baseline
▲ 0.50% · 4.625%
HK$67,759
+HK$3,886/mo
Deposit HK$13.18M · loan HK$13.18M · min. income ≈ HK$127,746/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,120,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,865
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$68,658
−HK$1,819/mo
Today · 4.125%
HK$70,477
baseline
▲ 0.50% · 4.625%
HK$74,192
+HK$3,715/mo
Deposit HK$13.18M · loan HK$13.18M · min. income ≈ HK$140,954/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,120,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,124
−HK$4,523/mo
▼ 0.25% · 3.875%
HK$74,368
−HK$2,279/mo
Today · 4.125%
HK$76,647
baseline
▲ 0.50% · 4.625%
HK$81,311
+HK$4,664/mo
Deposit HK$10.54M · loan HK$15.81M · min. income ≈ HK$153,294/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,120,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,237
−HK$4,335/mo
▼ 0.25% · 3.875%
HK$82,389
−HK$2,183/mo
Today · 4.125%
HK$84,572
baseline
▲ 0.50% · 4.625%
HK$89,030
+HK$4,458/mo
Deposit HK$10.54M · loan HK$15.81M · min. income ≈ HK$169,144/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,120,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,145
−HK$5,277/mo
▼ 0.25% · 3.875%
HK$86,762
−HK$2,660/mo
Today · 4.125%
HK$89,422
baseline
▲ 0.50% · 4.625%
HK$94,863
+HK$5,441/mo
Deposit HK$7.91M · loan HK$18.45M · min. income ≈ HK$178,844/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,610
−HK$5,058/mo
▼ 0.25% · 3.875%
HK$96,121
−HK$2,547/mo
Today · 4.125%
HK$98,668
baseline
▲ 0.50% · 4.625%
HK$103,869
+HK$5,201/mo
Deposit HK$7.91M · loan HK$18.45M · min. income ≈ HK$197,336/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,186
−HK$6,785/mo
▼ 0.25% · 3.875%
HK$111,552
−HK$3,419/mo
Today · 4.125%
HK$114,971
baseline
▲ 0.50% · 4.625%
HK$121,966
+HK$6,995/mo
Deposit HK$2.64M · loan HK$23.72M · min. income ≈ HK$229,942/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,356
−HK$6,503/mo
▼ 0.25% · 3.875%
HK$123,584
−HK$3,275/mo
Today · 4.125%
HK$126,859
baseline
▲ 0.50% · 4.625%
HK$133,546
+HK$6,687/mo
Deposit HK$2.64M · loan HK$23.72M · min. income ≈ HK$253,718/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,225 · Scale 2, in force from 26 Feb 2026)