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$60,512
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$62,394
−HK$1,912/mo
Today · 4.125%
HK$64,306
baseline
▲ 0.50% · 4.625%
HK$68,219
+HK$3,913/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$128,612/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,127,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,319
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$69,124
−HK$1,832/mo
Today · 4.125%
HK$70,956
baseline
▲ 0.50% · 4.625%
HK$74,696
+HK$3,740/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$141,912/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,127,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,614
−HK$4,554/mo
▼ 0.25% · 3.875%
HK$74,873
−HK$2,295/mo
Today · 4.125%
HK$77,168
baseline
▲ 0.50% · 4.625%
HK$81,863
+HK$4,695/mo
Deposit HK$10.61M · loan HK$15.92M · min. income ≈ HK$154,336/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,782
−HK$4,365/mo
▼ 0.25% · 3.875%
HK$82,949
−HK$2,198/mo
Today · 4.125%
HK$85,147
baseline
▲ 0.50% · 4.625%
HK$89,635
+HK$4,488/mo
Deposit HK$10.61M · loan HK$15.92M · min. income ≈ HK$170,294/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,716
−HK$5,313/mo
▼ 0.25% · 3.875%
HK$87,352
−HK$2,677/mo
Today · 4.125%
HK$90,029
baseline
▲ 0.50% · 4.625%
HK$95,507
+HK$5,478/mo
Deposit HK$7.96M · loan HK$18.58M · min. income ≈ HK$180,058/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,127,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,246
−HK$5,092/mo
▼ 0.25% · 3.875%
HK$96,774
−HK$2,564/mo
Today · 4.125%
HK$99,338
baseline
▲ 0.50% · 4.625%
HK$104,574
+HK$5,236/mo
Deposit HK$7.96M · loan HK$18.58M · min. income ≈ HK$198,676/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,127,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,921
−HK$6,830/mo
▼ 0.25% · 3.875%
HK$112,309
−HK$3,442/mo
Today · 4.125%
HK$115,751
baseline
▲ 0.50% · 4.625%
HK$122,795
+HK$7,044/mo
Deposit HK$2.65M · loan HK$23.88M · min. income ≈ HK$231,502/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,174
−HK$6,546/mo
▼ 0.25% · 3.875%
HK$124,424
−HK$3,296/mo
Today · 4.125%
HK$127,720
baseline
▲ 0.50% · 4.625%
HK$134,453
+HK$6,733/mo
Deposit HK$2.65M · loan HK$23.88M · min. income ≈ HK$255,440/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,834 · Scale 2, in force from 26 Feb 2026)