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$60,244
−HK$3,778/mo
▼ 0.25% · 3.875%
HK$62,118
−HK$1,904/mo
Today · 4.125%
HK$64,022
baseline
▲ 0.50% · 4.625%
HK$67,918
+HK$3,896/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$128,044/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,122,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,021
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$68,819
−HK$1,823/mo
Today · 4.125%
HK$70,642
baseline
▲ 0.50% · 4.625%
HK$74,366
+HK$3,724/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$141,284/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,122,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,293
−HK$4,534/mo
▼ 0.25% · 3.875%
HK$74,542
−HK$2,285/mo
Today · 4.125%
HK$76,827
baseline
▲ 0.50% · 4.625%
HK$81,501
+HK$4,674/mo
Deposit HK$10.57M · loan HK$15.85M · min. income ≈ HK$153,654/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,122,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,426
−HK$4,345/mo
▼ 0.25% · 3.875%
HK$82,583
−HK$2,188/mo
Today · 4.125%
HK$84,771
baseline
▲ 0.50% · 4.625%
HK$89,239
+HK$4,468/mo
Deposit HK$10.57M · loan HK$15.85M · min. income ≈ HK$169,542/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,122,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,342
−HK$5,289/mo
▼ 0.25% · 3.875%
HK$86,966
−HK$2,665/mo
Today · 4.125%
HK$89,631
baseline
▲ 0.50% · 4.625%
HK$95,085
+HK$5,454/mo
Deposit HK$7.93M · loan HK$18.49M · min. income ≈ HK$179,262/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,122,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,830
−HK$5,069/mo
▼ 0.25% · 3.875%
HK$96,346
−HK$2,553/mo
Today · 4.125%
HK$98,899
baseline
▲ 0.50% · 4.625%
HK$104,112
+HK$5,213/mo
Deposit HK$7.93M · loan HK$18.49M · min. income ≈ HK$197,798/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,122,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,440
−HK$6,800/mo
▼ 0.25% · 3.875%
HK$111,813
−HK$3,427/mo
Today · 4.125%
HK$115,240
baseline
▲ 0.50% · 4.625%
HK$122,252
+HK$7,012/mo
Deposit HK$2.64M · loan HK$23.78M · min. income ≈ HK$230,480/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,638
−HK$6,518/mo
▼ 0.25% · 3.875%
HK$123,874
−HK$3,282/mo
Today · 4.125%
HK$127,156
baseline
▲ 0.50% · 4.625%
HK$133,859
+HK$6,703/mo
Deposit HK$2.64M · loan HK$23.78M · min. income ≈ HK$254,312/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,851 · Scale 2, in force from 26 Feb 2026)