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$60,411
−HK$3,788/mo
▼ 0.25% · 3.875%
HK$62,290
−HK$1,909/mo
Today · 4.125%
HK$64,199
baseline
▲ 0.50% · 4.625%
HK$68,106
+HK$3,907/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$128,398/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,125,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,207
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$69,009
−HK$1,829/mo
Today · 4.125%
HK$70,838
baseline
▲ 0.50% · 4.625%
HK$74,571
+HK$3,733/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$141,676/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,125,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,493
−HK$4,546/mo
▼ 0.25% · 3.875%
HK$74,748
−HK$2,291/mo
Today · 4.125%
HK$77,039
baseline
▲ 0.50% · 4.625%
HK$81,727
+HK$4,688/mo
Deposit HK$10.60M · loan HK$15.90M · min. income ≈ HK$154,078/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,125,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,648
−HK$4,357/mo
▼ 0.25% · 3.875%
HK$82,811
−HK$2,194/mo
Today · 4.125%
HK$85,005
baseline
▲ 0.50% · 4.625%
HK$89,486
+HK$4,481/mo
Deposit HK$10.60M · loan HK$15.90M · min. income ≈ HK$170,010/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,125,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,575
−HK$5,304/mo
▼ 0.25% · 3.875%
HK$87,206
−HK$2,673/mo
Today · 4.125%
HK$89,879
baseline
▲ 0.50% · 4.625%
HK$95,348
+HK$5,469/mo
Deposit HK$7.95M · loan HK$18.55M · min. income ≈ HK$179,758/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,089
−HK$5,084/mo
▼ 0.25% · 3.875%
HK$96,613
−HK$2,560/mo
Today · 4.125%
HK$99,173
baseline
▲ 0.50% · 4.625%
HK$104,400
+HK$5,227/mo
Deposit HK$7.95M · loan HK$18.55M · min. income ≈ HK$198,346/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,740
−HK$6,819/mo
▼ 0.25% · 3.875%
HK$112,122
−HK$3,437/mo
Today · 4.125%
HK$115,559
baseline
▲ 0.50% · 4.625%
HK$122,590
+HK$7,031/mo
Deposit HK$2.65M · loan HK$23.84M · min. income ≈ HK$231,118/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,125,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,972
−HK$6,536/mo
▼ 0.25% · 3.875%
HK$124,216
−HK$3,292/mo
Today · 4.125%
HK$127,508
baseline
▲ 0.50% · 4.625%
HK$134,229
+HK$6,721/mo
Deposit HK$2.65M · loan HK$23.84M · min. income ≈ HK$255,016/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,125,955 · Scale 2, in force from 26 Feb 2026)