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$60,217
−HK$3,776/mo
▼ 0.25% · 3.875%
HK$62,090
−HK$1,903/mo
Today · 4.125%
HK$63,993
baseline
▲ 0.50% · 4.625%
HK$67,887
+HK$3,894/mo
Deposit HK$13.20M · loan HK$13.20M · min. income ≈ HK$127,986/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,122,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,991
−HK$3,619/mo
▼ 0.25% · 3.875%
HK$68,787
−HK$1,823/mo
Today · 4.125%
HK$70,610
baseline
▲ 0.50% · 4.625%
HK$74,332
+HK$3,722/mo
Deposit HK$13.20M · loan HK$13.20M · min. income ≈ HK$141,220/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,122,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,260
−HK$4,532/mo
▼ 0.25% · 3.875%
HK$74,508
−HK$2,284/mo
Today · 4.125%
HK$76,792
baseline
▲ 0.50% · 4.625%
HK$81,464
+HK$4,672/mo
Deposit HK$10.56M · loan HK$15.84M · min. income ≈ HK$153,584/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,122,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,389
−HK$4,343/mo
▼ 0.25% · 3.875%
HK$82,545
−HK$2,187/mo
Today · 4.125%
HK$84,732
baseline
▲ 0.50% · 4.625%
HK$89,198
+HK$4,466/mo
Deposit HK$10.56M · loan HK$15.84M · min. income ≈ HK$169,464/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,122,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,304
−HK$5,286/mo
▼ 0.25% · 3.875%
HK$86,926
−HK$2,664/mo
Today · 4.125%
HK$89,590
baseline
▲ 0.50% · 4.625%
HK$95,042
+HK$5,452/mo
Deposit HK$7.92M · loan HK$18.49M · min. income ≈ HK$179,180/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,122,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,787
−HK$5,067/mo
▼ 0.25% · 3.875%
HK$96,302
−HK$2,552/mo
Today · 4.125%
HK$98,854
baseline
▲ 0.50% · 4.625%
HK$104,065
+HK$5,211/mo
Deposit HK$7.92M · loan HK$18.49M · min. income ≈ HK$197,708/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,122,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,391
−HK$6,797/mo
▼ 0.25% · 3.875%
HK$111,762
−HK$3,426/mo
Today · 4.125%
HK$115,188
baseline
▲ 0.50% · 4.625%
HK$122,196
+HK$7,008/mo
Deposit HK$2.64M · loan HK$23.77M · min. income ≈ HK$230,376/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,583
−HK$6,515/mo
▼ 0.25% · 3.875%
HK$123,817
−HK$3,281/mo
Today · 4.125%
HK$127,098
baseline
▲ 0.50% · 4.625%
HK$133,798
+HK$6,700/mo
Deposit HK$2.64M · loan HK$23.77M · min. income ≈ HK$254,196/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,339 · Scale 2, in force from 26 Feb 2026)