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$60,262
−HK$3,779/mo
▼ 0.25% · 3.875%
HK$62,136
−HK$1,905/mo
Today · 4.125%
HK$64,041
baseline
▲ 0.50% · 4.625%
HK$67,938
+HK$3,897/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$128,082/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,041
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$68,839
−HK$1,824/mo
Today · 4.125%
HK$70,663
baseline
▲ 0.50% · 4.625%
HK$74,388
+HK$3,725/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$141,326/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,314
−HK$4,535/mo
▼ 0.25% · 3.875%
HK$74,564
−HK$2,285/mo
Today · 4.125%
HK$76,849
baseline
▲ 0.50% · 4.625%
HK$81,525
+HK$4,676/mo
Deposit HK$10.57M · loan HK$15.86M · min. income ≈ HK$153,698/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,123,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,449
−HK$4,346/mo
▼ 0.25% · 3.875%
HK$82,607
−HK$2,188/mo
Today · 4.125%
HK$84,795
baseline
▲ 0.50% · 4.625%
HK$89,265
+HK$4,470/mo
Deposit HK$10.57M · loan HK$15.86M · min. income ≈ HK$169,590/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,123,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,367
−HK$5,290/mo
▼ 0.25% · 3.875%
HK$86,991
−HK$2,666/mo
Today · 4.125%
HK$89,657
baseline
▲ 0.50% · 4.625%
HK$95,113
+HK$5,456/mo
Deposit HK$7.93M · loan HK$18.50M · min. income ≈ HK$179,314/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,123,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,857
−HK$5,071/mo
▼ 0.25% · 3.875%
HK$96,374
−HK$2,554/mo
Today · 4.125%
HK$98,928
baseline
▲ 0.50% · 4.625%
HK$104,143
+HK$5,215/mo
Deposit HK$7.93M · loan HK$18.50M · min. income ≈ HK$197,856/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,123,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,472
−HK$6,802/mo
▼ 0.25% · 3.875%
HK$111,846
−HK$3,428/mo
Today · 4.125%
HK$115,274
baseline
▲ 0.50% · 4.625%
HK$122,288
+HK$7,014/mo
Deposit HK$2.64M · loan HK$23.78M · min. income ≈ HK$230,548/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,673
−HK$6,520/mo
▼ 0.25% · 3.875%
HK$123,910
−HK$3,283/mo
Today · 4.125%
HK$127,193
baseline
▲ 0.50% · 4.625%
HK$133,898
+HK$6,705/mo
Deposit HK$2.64M · loan HK$23.78M · min. income ≈ HK$254,386/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,178 · Scale 2, in force from 26 Feb 2026)