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$60,478
−HK$3,792/mo
▼ 0.25% · 3.875%
HK$62,359
−HK$1,911/mo
Today · 4.125%
HK$64,270
baseline
▲ 0.50% · 4.625%
HK$68,181
+HK$3,911/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$128,540/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,127,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,281
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$69,085
−HK$1,831/mo
Today · 4.125%
HK$70,916
baseline
▲ 0.50% · 4.625%
HK$74,654
+HK$3,738/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$141,832/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,127,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,573
−HK$4,551/mo
▼ 0.25% · 3.875%
HK$74,830
−HK$2,294/mo
Today · 4.125%
HK$77,124
baseline
▲ 0.50% · 4.625%
HK$81,817
+HK$4,693/mo
Deposit HK$10.61M · loan HK$15.91M · min. income ≈ HK$154,248/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,737
−HK$4,362/mo
▼ 0.25% · 3.875%
HK$82,902
−HK$2,197/mo
Today · 4.125%
HK$85,099
baseline
▲ 0.50% · 4.625%
HK$89,584
+HK$4,485/mo
Deposit HK$10.61M · loan HK$15.91M · min. income ≈ HK$170,198/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,669
−HK$5,309/mo
▼ 0.25% · 3.875%
HK$87,302
−HK$2,676/mo
Today · 4.125%
HK$89,978
baseline
▲ 0.50% · 4.625%
HK$95,453
+HK$5,475/mo
Deposit HK$7.96M · loan HK$18.57M · min. income ≈ HK$179,956/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,127,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,193
−HK$5,089/mo
▼ 0.25% · 3.875%
HK$96,719
−HK$2,563/mo
Today · 4.125%
HK$99,282
baseline
▲ 0.50% · 4.625%
HK$104,515
+HK$5,233/mo
Deposit HK$7.96M · loan HK$18.57M · min. income ≈ HK$198,564/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,127,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,860
−HK$6,826/mo
▼ 0.25% · 3.875%
HK$112,246
−HK$3,440/mo
Today · 4.125%
HK$115,686
baseline
▲ 0.50% · 4.625%
HK$122,725
+HK$7,039/mo
Deposit HK$2.65M · loan HK$23.87M · min. income ≈ HK$231,372/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,105
−HK$6,543/mo
▼ 0.25% · 3.875%
HK$124,353
−HK$3,295/mo
Today · 4.125%
HK$127,648
baseline
▲ 0.50% · 4.625%
HK$134,377
+HK$6,729/mo
Deposit HK$2.65M · loan HK$23.87M · min. income ≈ HK$255,296/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,196 · Scale 2, in force from 26 Feb 2026)