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$60,488
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$62,370
−HK$1,912/mo
Today · 4.125%
HK$64,282
baseline
▲ 0.50% · 4.625%
HK$68,193
+HK$3,911/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$128,564/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,127,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,293
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$69,098
−HK$1,830/mo
Today · 4.125%
HK$70,928
baseline
▲ 0.50% · 4.625%
HK$74,667
+HK$3,739/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$141,856/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,127,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,586
−HK$4,552/mo
▼ 0.25% · 3.875%
HK$74,844
−HK$2,294/mo
Today · 4.125%
HK$77,138
baseline
▲ 0.50% · 4.625%
HK$81,832
+HK$4,694/mo
Deposit HK$10.61M · loan HK$15.92M · min. income ≈ HK$154,276/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,751
−HK$4,363/mo
▼ 0.25% · 3.875%
HK$82,917
−HK$2,197/mo
Today · 4.125%
HK$85,114
baseline
▲ 0.50% · 4.625%
HK$89,601
+HK$4,487/mo
Deposit HK$10.61M · loan HK$15.92M · min. income ≈ HK$170,228/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,684
−HK$5,310/mo
▼ 0.25% · 3.875%
HK$87,318
−HK$2,676/mo
Today · 4.125%
HK$89,994
baseline
▲ 0.50% · 4.625%
HK$95,470
+HK$5,476/mo
Deposit HK$7.96M · loan HK$18.57M · min. income ≈ HK$179,988/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,127,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,210
−HK$5,090/mo
▼ 0.25% · 3.875%
HK$96,737
−HK$2,563/mo
Today · 4.125%
HK$99,300
baseline
▲ 0.50% · 4.625%
HK$104,534
+HK$5,234/mo
Deposit HK$7.96M · loan HK$18.57M · min. income ≈ HK$198,600/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,127,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,879
−HK$6,828/mo
▼ 0.25% · 3.875%
HK$112,266
−HK$3,441/mo
Today · 4.125%
HK$115,707
baseline
▲ 0.50% · 4.625%
HK$122,747
+HK$7,040/mo
Deposit HK$2.65M · loan HK$23.87M · min. income ≈ HK$231,414/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,127
−HK$6,544/mo
▼ 0.25% · 3.875%
HK$124,376
−HK$3,295/mo
Today · 4.125%
HK$127,671
baseline
▲ 0.50% · 4.625%
HK$134,401
+HK$6,730/mo
Deposit HK$2.65M · loan HK$23.87M · min. income ≈ HK$255,342/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,400 · Scale 2, in force from 26 Feb 2026)