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$60,332
−HK$3,784/mo
▼ 0.25% · 3.875%
HK$62,209
−HK$1,907/mo
Today · 4.125%
HK$64,116
baseline
▲ 0.50% · 4.625%
HK$68,017
+HK$3,901/mo
Deposit HK$13.23M · loan HK$13.23M · min. income ≈ HK$128,232/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,124,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,119
−HK$3,626/mo
▼ 0.25% · 3.875%
HK$68,919
−HK$1,826/mo
Today · 4.125%
HK$70,745
baseline
▲ 0.50% · 4.625%
HK$74,474
+HK$3,729/mo
Deposit HK$13.23M · loan HK$13.23M · min. income ≈ HK$141,490/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,124,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,399
−HK$4,540/mo
▼ 0.25% · 3.875%
HK$74,651
−HK$2,288/mo
Today · 4.125%
HK$76,939
baseline
▲ 0.50% · 4.625%
HK$81,620
+HK$4,681/mo
Deposit HK$10.58M · loan HK$15.88M · min. income ≈ HK$153,878/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,124,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,543
−HK$4,351/mo
▼ 0.25% · 3.875%
HK$82,703
−HK$2,191/mo
Today · 4.125%
HK$84,894
baseline
▲ 0.50% · 4.625%
HK$89,369
+HK$4,475/mo
Deposit HK$10.58M · loan HK$15.88M · min. income ≈ HK$169,788/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,124,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,465
−HK$5,297/mo
▼ 0.25% · 3.875%
HK$87,093
−HK$2,669/mo
Today · 4.125%
HK$89,762
baseline
▲ 0.50% · 4.625%
HK$95,224
+HK$5,462/mo
Deposit HK$7.94M · loan HK$18.52M · min. income ≈ HK$179,524/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,124,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,967
−HK$5,076/mo
▼ 0.25% · 3.875%
HK$96,487
−HK$2,556/mo
Today · 4.125%
HK$99,043
baseline
▲ 0.50% · 4.625%
HK$104,264
+HK$5,221/mo
Deposit HK$7.94M · loan HK$18.52M · min. income ≈ HK$198,086/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,124,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,598
−HK$6,810/mo
▼ 0.25% · 3.875%
HK$111,976
−HK$3,432/mo
Today · 4.125%
HK$115,408
baseline
▲ 0.50% · 4.625%
HK$122,431
+HK$7,023/mo
Deposit HK$2.65M · loan HK$23.81M · min. income ≈ HK$230,816/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,814
−HK$6,528/mo
▼ 0.25% · 3.875%
HK$124,055
−HK$3,287/mo
Today · 4.125%
HK$127,342
baseline
▲ 0.50% · 4.625%
HK$134,054
+HK$6,712/mo
Deposit HK$2.65M · loan HK$23.81M · min. income ≈ HK$254,684/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,490 · Scale 2, in force from 26 Feb 2026)