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$60,339
−HK$3,784/mo
▼ 0.25% · 3.875%
HK$62,216
−HK$1,907/mo
Today · 4.125%
HK$64,123
baseline
▲ 0.50% · 4.625%
HK$68,025
+HK$3,902/mo
Deposit HK$13.23M · loan HK$13.23M · min. income ≈ HK$128,246/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,124,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,127
−HK$3,627/mo
▼ 0.25% · 3.875%
HK$68,927
−HK$1,827/mo
Today · 4.125%
HK$70,754
baseline
▲ 0.50% · 4.625%
HK$74,483
+HK$3,729/mo
Deposit HK$13.23M · loan HK$13.23M · min. income ≈ HK$141,508/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,124,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,407
−HK$4,541/mo
▼ 0.25% · 3.875%
HK$74,660
−HK$2,288/mo
Today · 4.125%
HK$76,948
baseline
▲ 0.50% · 4.625%
HK$81,630
+HK$4,682/mo
Deposit HK$10.58M · loan HK$15.88M · min. income ≈ HK$153,896/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,124,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,552
−HK$4,352/mo
▼ 0.25% · 3.875%
HK$82,713
−HK$2,191/mo
Today · 4.125%
HK$84,904
baseline
▲ 0.50% · 4.625%
HK$89,380
+HK$4,476/mo
Deposit HK$10.58M · loan HK$15.88M · min. income ≈ HK$169,808/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,124,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,475
−HK$5,298/mo
▼ 0.25% · 3.875%
HK$87,103
−HK$2,670/mo
Today · 4.125%
HK$89,773
baseline
▲ 0.50% · 4.625%
HK$95,235
+HK$5,462/mo
Deposit HK$7.94M · loan HK$18.52M · min. income ≈ HK$179,546/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,124,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,978
−HK$5,077/mo
▼ 0.25% · 3.875%
HK$96,498
−HK$2,557/mo
Today · 4.125%
HK$99,055
baseline
▲ 0.50% · 4.625%
HK$104,277
+HK$5,222/mo
Deposit HK$7.94M · loan HK$18.52M · min. income ≈ HK$198,110/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,124,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,611
−HK$6,811/mo
▼ 0.25% · 3.875%
HK$111,990
−HK$3,432/mo
Today · 4.125%
HK$115,422
baseline
▲ 0.50% · 4.625%
HK$122,445
+HK$7,023/mo
Deposit HK$2.65M · loan HK$23.82M · min. income ≈ HK$230,844/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,829
−HK$6,528/mo
▼ 0.25% · 3.875%
HK$124,069
−HK$3,288/mo
Today · 4.125%
HK$127,357
baseline
▲ 0.50% · 4.625%
HK$134,070
+HK$6,713/mo
Deposit HK$2.65M · loan HK$23.82M · min. income ≈ HK$254,714/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,623 · Scale 2, in force from 26 Feb 2026)