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$60,240
−HK$3,778/mo
▼ 0.25% · 3.875%
HK$62,114
−HK$1,904/mo
Today · 4.125%
HK$64,018
baseline
▲ 0.50% · 4.625%
HK$67,913
+HK$3,895/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$128,036/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,122,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,017
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$68,814
−HK$1,823/mo
Today · 4.125%
HK$70,637
baseline
▲ 0.50% · 4.625%
HK$74,361
+HK$3,724/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$141,274/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,122,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,288
−HK$4,533/mo
▼ 0.25% · 3.875%
HK$74,537
−HK$2,284/mo
Today · 4.125%
HK$76,821
baseline
▲ 0.50% · 4.625%
HK$81,496
+HK$4,675/mo
Deposit HK$10.57M · loan HK$15.85M · min. income ≈ HK$153,642/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,122,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,420
−HK$4,345/mo
▼ 0.25% · 3.875%
HK$82,577
−HK$2,188/mo
Today · 4.125%
HK$84,765
baseline
▲ 0.50% · 4.625%
HK$89,233
+HK$4,468/mo
Deposit HK$10.57M · loan HK$15.85M · min. income ≈ HK$169,530/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,122,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,336
−HK$5,289/mo
▼ 0.25% · 3.875%
HK$86,960
−HK$2,665/mo
Today · 4.125%
HK$89,625
baseline
▲ 0.50% · 4.625%
HK$95,078
+HK$5,453/mo
Deposit HK$7.93M · loan HK$18.49M · min. income ≈ HK$179,250/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,122,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,823
−HK$5,069/mo
▼ 0.25% · 3.875%
HK$96,340
−HK$2,552/mo
Today · 4.125%
HK$98,892
baseline
▲ 0.50% · 4.625%
HK$104,105
+HK$5,213/mo
Deposit HK$7.93M · loan HK$18.49M · min. income ≈ HK$197,784/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,122,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,432
−HK$6,800/mo
▼ 0.25% · 3.875%
HK$111,805
−HK$3,427/mo
Today · 4.125%
HK$115,232
baseline
▲ 0.50% · 4.625%
HK$122,244
+HK$7,012/mo
Deposit HK$2.64M · loan HK$23.78M · min. income ≈ HK$230,464/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,630
−HK$6,517/mo
▼ 0.25% · 3.875%
HK$123,865
−HK$3,282/mo
Today · 4.125%
HK$127,147
baseline
▲ 0.50% · 4.625%
HK$133,849
+HK$6,702/mo
Deposit HK$2.64M · loan HK$23.78M · min. income ≈ HK$254,294/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,773 · Scale 2, in force from 26 Feb 2026)