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$3,795/mo
▼ 0.25% · 3.875%
HK$62,395
−HK$1,912/mo
Today · 4.125%
HK$64,307
baseline
▲ 0.50% · 4.625%
HK$68,220
+HK$3,913/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$128,614/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,127,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,319
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$69,125
−HK$1,831/mo
Today · 4.125%
HK$70,956
baseline
▲ 0.50% · 4.625%
HK$74,697
+HK$3,741/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$1,127,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,615
−HK$4,553/mo
▼ 0.25% · 3.875%
HK$74,873
−HK$2,295/mo
Today · 4.125%
HK$77,168
baseline
▲ 0.50% · 4.625%
HK$81,864
+HK$4,696/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$1,127,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,783
−HK$4,365/mo
▼ 0.25% · 3.875%
HK$82,950
−HK$2,198/mo
Today · 4.125%
HK$85,148
baseline
▲ 0.50% · 4.625%
HK$89,636
+HK$4,488/mo
Deposit HK$10.61M · loan HK$15.92M · min. income ≈ HK$170,296/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,717
−HK$5,313/mo
▼ 0.25% · 3.875%
HK$87,352
−HK$2,678/mo
Today · 4.125%
HK$90,030
baseline
▲ 0.50% · 4.625%
HK$95,508
+HK$5,478/mo
Deposit HK$7.96M · loan HK$18.58M · min. income ≈ HK$180,060/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,127,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,247
−HK$5,092/mo
▼ 0.25% · 3.875%
HK$96,775
−HK$2,564/mo
Today · 4.125%
HK$99,339
baseline
▲ 0.50% · 4.625%
HK$104,575
+HK$5,236/mo
Deposit HK$7.96M · loan HK$18.58M · min. income ≈ HK$198,678/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,127,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,922
−HK$6,830/mo
▼ 0.25% · 3.875%
HK$112,310
−HK$3,442/mo
Today · 4.125%
HK$115,752
baseline
▲ 0.50% · 4.625%
HK$122,796
+HK$7,044/mo
Deposit HK$2.65M · loan HK$23.88M · min. income ≈ HK$231,504/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,175
−HK$6,546/mo
▼ 0.25% · 3.875%
HK$124,425
−HK$3,296/mo
Today · 4.125%
HK$127,721
baseline
▲ 0.50% · 4.625%
HK$134,454
+HK$6,733/mo
Deposit HK$2.65M · loan HK$23.88M · min. income ≈ HK$255,442/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,843 · Scale 2, in force from 26 Feb 2026)