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$60,396
−HK$3,788/mo
▼ 0.25% · 3.875%
HK$62,275
−HK$1,909/mo
Today · 4.125%
HK$64,184
baseline
▲ 0.50% · 4.625%
HK$68,089
+HK$3,905/mo
Deposit HK$13.24M · loan HK$13.24M · min. income ≈ HK$128,368/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,125,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,190
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$68,992
−HK$1,828/mo
Today · 4.125%
HK$70,820
baseline
▲ 0.50% · 4.625%
HK$74,553
+HK$3,733/mo
Deposit HK$13.24M · loan HK$13.24M · min. income ≈ HK$141,640/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,125,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,475
−HK$4,545/mo
▼ 0.25% · 3.875%
HK$74,730
−HK$2,290/mo
Today · 4.125%
HK$77,020
baseline
▲ 0.50% · 4.625%
HK$81,707
+HK$4,687/mo
Deposit HK$10.59M · loan HK$15.89M · min. income ≈ HK$154,040/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,125,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,628
−HK$4,356/mo
▼ 0.25% · 3.875%
HK$82,791
−HK$2,193/mo
Today · 4.125%
HK$84,984
baseline
▲ 0.50% · 4.625%
HK$89,464
+HK$4,480/mo
Deposit HK$10.59M · loan HK$15.89M · min. income ≈ HK$169,968/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,125,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,555
−HK$5,302/mo
▼ 0.25% · 3.875%
HK$87,185
−HK$2,672/mo
Today · 4.125%
HK$89,857
baseline
▲ 0.50% · 4.625%
HK$95,325
+HK$5,468/mo
Deposit HK$7.95M · loan HK$18.54M · min. income ≈ HK$179,714/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,066
−HK$5,082/mo
▼ 0.25% · 3.875%
HK$96,589
−HK$2,559/mo
Today · 4.125%
HK$99,148
baseline
▲ 0.50% · 4.625%
HK$104,375
+HK$5,227/mo
Deposit HK$7.95M · loan HK$18.54M · min. income ≈ HK$198,296/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,713
−HK$6,817/mo
▼ 0.25% · 3.875%
HK$112,095
−HK$3,435/mo
Today · 4.125%
HK$115,530
baseline
▲ 0.50% · 4.625%
HK$122,560
+HK$7,030/mo
Deposit HK$2.65M · loan HK$23.84M · min. income ≈ HK$231,060/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,125,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,942
−HK$6,534/mo
▼ 0.25% · 3.875%
HK$124,186
−HK$3,290/mo
Today · 4.125%
HK$127,476
baseline
▲ 0.50% · 4.625%
HK$134,196
+HK$6,720/mo
Deposit HK$2.65M · loan HK$23.84M · min. income ≈ HK$254,952/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,125,680 · Scale 2, in force from 26 Feb 2026)