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$60,675
−HK$3,805/mo
▼ 0.25% · 3.875%
HK$62,562
−HK$1,918/mo
Today · 4.125%
HK$64,480
baseline
▲ 0.50% · 4.625%
HK$68,403
+HK$3,923/mo
Deposit HK$13.30M · loan HK$13.30M · min. income ≈ HK$128,960/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,130,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,500
−HK$3,647/mo
▼ 0.25% · 3.875%
HK$69,311
−HK$1,836/mo
Today · 4.125%
HK$71,147
baseline
▲ 0.50% · 4.625%
HK$74,898
+HK$3,751/mo
Deposit HK$13.30M · loan HK$13.30M · min. income ≈ HK$142,294/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,130,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,810
−HK$4,566/mo
▼ 0.25% · 3.875%
HK$75,075
−HK$2,301/mo
Today · 4.125%
HK$77,376
baseline
▲ 0.50% · 4.625%
HK$82,084
+HK$4,708/mo
Deposit HK$10.64M · loan HK$15.97M · min. income ≈ HK$154,752/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,130,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,001
−HK$4,376/mo
▼ 0.25% · 3.875%
HK$83,173
−HK$2,204/mo
Today · 4.125%
HK$85,377
baseline
▲ 0.50% · 4.625%
HK$89,877
+HK$4,500/mo
Deposit HK$10.64M · loan HK$15.97M · min. income ≈ HK$170,754/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,130,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,945
−HK$5,327/mo
▼ 0.25% · 3.875%
HK$87,587
−HK$2,685/mo
Today · 4.125%
HK$90,272
baseline
▲ 0.50% · 4.625%
HK$95,765
+HK$5,493/mo
Deposit HK$7.98M · loan HK$18.63M · min. income ≈ HK$180,544/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,501
−HK$5,105/mo
▼ 0.25% · 3.875%
HK$97,035
−HK$2,571/mo
Today · 4.125%
HK$99,606
baseline
▲ 0.50% · 4.625%
HK$104,857
+HK$5,251/mo
Deposit HK$7.98M · loan HK$18.63M · min. income ≈ HK$199,212/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,215
−HK$6,849/mo
▼ 0.25% · 3.875%
HK$112,612
−HK$3,452/mo
Today · 4.125%
HK$116,064
baseline
▲ 0.50% · 4.625%
HK$123,126
+HK$7,062/mo
Deposit HK$2.66M · loan HK$23.95M · min. income ≈ HK$232,128/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,501
−HK$6,564/mo
▼ 0.25% · 3.875%
HK$124,759
−HK$3,306/mo
Today · 4.125%
HK$128,065
baseline
▲ 0.50% · 4.625%
HK$134,816
+HK$6,751/mo
Deposit HK$2.66M · loan HK$23.95M · min. income ≈ HK$256,130/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,878 · Scale 2, in force from 26 Feb 2026)