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$60,678
−HK$3,805/mo
▼ 0.25% · 3.875%
HK$62,566
−HK$1,917/mo
Today · 4.125%
HK$64,483
baseline
▲ 0.50% · 4.625%
HK$68,407
+HK$3,924/mo
Deposit HK$13.31M · loan HK$13.31M · min. income ≈ HK$128,966/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,130,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,504
−HK$3,647/mo
▼ 0.25% · 3.875%
HK$69,314
−HK$1,837/mo
Today · 4.125%
HK$71,151
baseline
▲ 0.50% · 4.625%
HK$74,901
+HK$3,750/mo
Deposit HK$13.31M · loan HK$13.31M · min. income ≈ HK$142,302/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,130,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,814
−HK$4,566/mo
▼ 0.25% · 3.875%
HK$75,079
−HK$2,301/mo
Today · 4.125%
HK$77,380
baseline
▲ 0.50% · 4.625%
HK$82,088
+HK$4,708/mo
Deposit HK$10.64M · loan HK$15.97M · min. income ≈ HK$154,760/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,130,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,005
−HK$4,376/mo
▼ 0.25% · 3.875%
HK$83,177
−HK$2,204/mo
Today · 4.125%
HK$85,381
baseline
▲ 0.50% · 4.625%
HK$89,882
+HK$4,501/mo
Deposit HK$10.64M · loan HK$15.97M · min. income ≈ HK$170,762/mo (50% DSR)
Upfront cash ≈ HK$11.78M (deposit + AVD stamp duty HK$1,130,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,950
−HK$5,327/mo
▼ 0.25% · 3.875%
HK$87,592
−HK$2,685/mo
Today · 4.125%
HK$90,277
baseline
▲ 0.50% · 4.625%
HK$95,770
+HK$5,493/mo
Deposit HK$7.98M · loan HK$18.63M · min. income ≈ HK$180,554/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,506
−HK$5,105/mo
▼ 0.25% · 3.875%
HK$97,040
−HK$2,571/mo
Today · 4.125%
HK$99,611
baseline
▲ 0.50% · 4.625%
HK$104,862
+HK$5,251/mo
Deposit HK$7.98M · loan HK$18.63M · min. income ≈ HK$199,222/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,221
−HK$6,849/mo
▼ 0.25% · 3.875%
HK$112,618
−HK$3,452/mo
Today · 4.125%
HK$116,070
baseline
▲ 0.50% · 4.625%
HK$123,133
+HK$7,063/mo
Deposit HK$2.66M · loan HK$23.95M · min. income ≈ HK$232,140/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,507
−HK$6,565/mo
▼ 0.25% · 3.875%
HK$124,766
−HK$3,306/mo
Today · 4.125%
HK$128,072
baseline
▲ 0.50% · 4.625%
HK$134,823
+HK$6,751/mo
Deposit HK$2.66M · loan HK$23.95M · min. income ≈ HK$256,144/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,937 · Scale 2, in force from 26 Feb 2026)