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$60,509
−HK$3,795/mo
▼ 0.25% · 3.875%
HK$62,392
−HK$1,912/mo
Today · 4.125%
HK$64,304
baseline
▲ 0.50% · 4.625%
HK$68,217
+HK$3,913/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$128,608/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,127,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,316
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$69,121
−HK$1,832/mo
Today · 4.125%
HK$70,953
baseline
▲ 0.50% · 4.625%
HK$74,693
+HK$3,740/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$141,906/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,127,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,611
−HK$4,554/mo
▼ 0.25% · 3.875%
HK$74,870
−HK$2,295/mo
Today · 4.125%
HK$77,165
baseline
▲ 0.50% · 4.625%
HK$81,860
+HK$4,695/mo
Deposit HK$10.61M · loan HK$15.92M · min. income ≈ HK$154,330/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,779
−HK$4,365/mo
▼ 0.25% · 3.875%
HK$82,946
−HK$2,198/mo
Today · 4.125%
HK$85,144
baseline
▲ 0.50% · 4.625%
HK$89,632
+HK$4,488/mo
Deposit HK$10.61M · loan HK$15.92M · min. income ≈ HK$170,288/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,713
−HK$5,312/mo
▼ 0.25% · 3.875%
HK$87,348
−HK$2,677/mo
Today · 4.125%
HK$90,025
baseline
▲ 0.50% · 4.625%
HK$95,503
+HK$5,478/mo
Deposit HK$7.96M · loan HK$18.58M · min. income ≈ HK$180,050/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,127,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,243
−HK$5,091/mo
▼ 0.25% · 3.875%
HK$96,770
−HK$2,564/mo
Today · 4.125%
HK$99,334
baseline
▲ 0.50% · 4.625%
HK$104,570
+HK$5,236/mo
Deposit HK$7.96M · loan HK$18.58M · min. income ≈ HK$198,668/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,127,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,917
−HK$6,830/mo
▼ 0.25% · 3.875%
HK$112,305
−HK$3,442/mo
Today · 4.125%
HK$115,747
baseline
▲ 0.50% · 4.625%
HK$122,790
+HK$7,043/mo
Deposit HK$2.65M · loan HK$23.88M · min. income ≈ HK$231,494/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,169
−HK$6,546/mo
▼ 0.25% · 3.875%
HK$124,419
−HK$3,296/mo
Today · 4.125%
HK$127,715
baseline
▲ 0.50% · 4.625%
HK$134,447
+HK$6,732/mo
Deposit HK$2.65M · loan HK$23.88M · min. income ≈ HK$255,430/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,790 · Scale 2, in force from 26 Feb 2026)