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$60,103
−HK$3,769/mo
▼ 0.25% · 3.875%
HK$61,972
−HK$1,900/mo
Today · 4.125%
HK$63,872
baseline
▲ 0.50% · 4.625%
HK$67,758
+HK$3,886/mo
Deposit HK$13.18M · loan HK$13.18M · min. income ≈ HK$127,744/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,120,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,864
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$68,657
−HK$1,819/mo
Today · 4.125%
HK$70,476
baseline
▲ 0.50% · 4.625%
HK$74,191
+HK$3,715/mo
Deposit HK$13.18M · loan HK$13.18M · min. income ≈ HK$140,952/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,120,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,123
−HK$4,523/mo
▼ 0.25% · 3.875%
HK$74,367
−HK$2,279/mo
Today · 4.125%
HK$76,646
baseline
▲ 0.50% · 4.625%
HK$81,310
+HK$4,664/mo
Deposit HK$10.54M · loan HK$15.81M · min. income ≈ HK$153,292/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,120,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,236
−HK$4,335/mo
▼ 0.25% · 3.875%
HK$82,388
−HK$2,183/mo
Today · 4.125%
HK$84,571
baseline
▲ 0.50% · 4.625%
HK$89,029
+HK$4,458/mo
Deposit HK$10.54M · loan HK$15.81M · min. income ≈ HK$169,142/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,120,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,144
−HK$5,276/mo
▼ 0.25% · 3.875%
HK$86,761
−HK$2,659/mo
Today · 4.125%
HK$89,420
baseline
▲ 0.50% · 4.625%
HK$94,861
+HK$5,441/mo
Deposit HK$7.91M · loan HK$18.45M · min. income ≈ HK$178,840/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,609
−HK$5,058/mo
▼ 0.25% · 3.875%
HK$96,120
−HK$2,547/mo
Today · 4.125%
HK$98,667
baseline
▲ 0.50% · 4.625%
HK$103,867
+HK$5,200/mo
Deposit HK$7.91M · loan HK$18.45M · min. income ≈ HK$197,334/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,185
−HK$6,784/mo
▼ 0.25% · 3.875%
HK$111,550
−HK$3,419/mo
Today · 4.125%
HK$114,969
baseline
▲ 0.50% · 4.625%
HK$121,965
+HK$6,996/mo
Deposit HK$2.64M · loan HK$23.72M · min. income ≈ HK$229,938/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,355
−HK$6,502/mo
▼ 0.25% · 3.875%
HK$123,583
−HK$3,274/mo
Today · 4.125%
HK$126,857
baseline
▲ 0.50% · 4.625%
HK$133,544
+HK$6,687/mo
Deposit HK$2.64M · loan HK$23.72M · min. income ≈ HK$253,714/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,211 · Scale 2, in force from 26 Feb 2026)