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$60,432
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$62,311
−HK$1,910/mo
Today · 4.125%
HK$64,221
baseline
▲ 0.50% · 4.625%
HK$68,129
+HK$3,908/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$128,442/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,126,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,229
−HK$3,633/mo
▼ 0.25% · 3.875%
HK$69,033
−HK$1,829/mo
Today · 4.125%
HK$70,862
baseline
▲ 0.50% · 4.625%
HK$74,597
+HK$3,735/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$141,724/mo (50% DSR)
Upfront cash ≈ HK$14.38M (deposit + AVD stamp duty HK$1,126,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,518
−HK$4,547/mo
▼ 0.25% · 3.875%
HK$74,774
−HK$2,291/mo
Today · 4.125%
HK$77,065
baseline
▲ 0.50% · 4.625%
HK$81,755
+HK$4,690/mo
Deposit HK$10.60M · loan HK$15.90M · min. income ≈ HK$154,130/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,675
−HK$4,359/mo
▼ 0.25% · 3.875%
HK$82,839
−HK$2,195/mo
Today · 4.125%
HK$85,034
baseline
▲ 0.50% · 4.625%
HK$89,516
+HK$4,482/mo
Deposit HK$10.60M · loan HK$15.90M · min. income ≈ HK$170,068/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,126,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,604
−HK$5,306/mo
▼ 0.25% · 3.875%
HK$87,236
−HK$2,674/mo
Today · 4.125%
HK$89,910
baseline
▲ 0.50% · 4.625%
HK$95,380
+HK$5,470/mo
Deposit HK$7.95M · loan HK$18.55M · min. income ≈ HK$179,820/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,121
−HK$5,085/mo
▼ 0.25% · 3.875%
HK$96,646
−HK$2,560/mo
Today · 4.125%
HK$99,206
baseline
▲ 0.50% · 4.625%
HK$104,436
+HK$5,230/mo
Deposit HK$7.95M · loan HK$18.55M · min. income ≈ HK$198,412/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,126,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,777
−HK$6,821/mo
▼ 0.25% · 3.875%
HK$112,160
−HK$3,438/mo
Today · 4.125%
HK$115,598
baseline
▲ 0.50% · 4.625%
HK$122,632
+HK$7,034/mo
Deposit HK$2.65M · loan HK$23.85M · min. income ≈ HK$231,196/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,013
−HK$6,538/mo
▼ 0.25% · 3.875%
HK$124,259
−HK$3,292/mo
Today · 4.125%
HK$127,551
baseline
▲ 0.50% · 4.625%
HK$134,274
+HK$6,723/mo
Deposit HK$2.65M · loan HK$23.85M · min. income ≈ HK$255,102/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,126,339 · Scale 2, in force from 26 Feb 2026)