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$60,300
−HK$3,782/mo
▼ 0.25% · 3.875%
HK$62,176
−HK$1,906/mo
Today · 4.125%
HK$64,082
baseline
▲ 0.50% · 4.625%
HK$67,981
+HK$3,899/mo
Deposit HK$13.22M · loan HK$13.22M · min. income ≈ HK$128,164/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,123,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,084
−HK$3,624/mo
▼ 0.25% · 3.875%
HK$68,883
−HK$1,825/mo
Today · 4.125%
HK$70,708
baseline
▲ 0.50% · 4.625%
HK$74,435
+HK$3,727/mo
Deposit HK$13.22M · loan HK$13.22M · min. income ≈ HK$141,416/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,123,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,360
−HK$4,538/mo
▼ 0.25% · 3.875%
HK$74,611
−HK$2,287/mo
Today · 4.125%
HK$76,898
baseline
▲ 0.50% · 4.625%
HK$81,577
+HK$4,679/mo
Deposit HK$10.58M · loan HK$15.87M · min. income ≈ HK$153,796/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,123,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,500
−HK$4,349/mo
▼ 0.25% · 3.875%
HK$82,659
−HK$2,190/mo
Today · 4.125%
HK$84,849
baseline
▲ 0.50% · 4.625%
HK$89,322
+HK$4,473/mo
Deposit HK$10.58M · loan HK$15.87M · min. income ≈ HK$169,698/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,123,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,420
−HK$5,294/mo
▼ 0.25% · 3.875%
HK$87,046
−HK$2,668/mo
Today · 4.125%
HK$89,714
baseline
▲ 0.50% · 4.625%
HK$95,173
+HK$5,459/mo
Deposit HK$7.93M · loan HK$18.51M · min. income ≈ HK$179,428/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,123,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,917
−HK$5,074/mo
▼ 0.25% · 3.875%
HK$96,436
−HK$2,555/mo
Today · 4.125%
HK$98,991
baseline
▲ 0.50% · 4.625%
HK$104,209
+HK$5,218/mo
Deposit HK$7.93M · loan HK$18.51M · min. income ≈ HK$197,982/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,123,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,541
−HK$6,806/mo
▼ 0.25% · 3.875%
HK$111,917
−HK$3,430/mo
Today · 4.125%
HK$115,347
baseline
▲ 0.50% · 4.625%
HK$122,366
+HK$7,019/mo
Deposit HK$2.64M · loan HK$23.80M · min. income ≈ HK$230,694/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,750
−HK$6,524/mo
▼ 0.25% · 3.875%
HK$123,989
−HK$3,285/mo
Today · 4.125%
HK$127,274
baseline
▲ 0.50% · 4.625%
HK$133,983
+HK$6,709/mo
Deposit HK$2.64M · loan HK$23.80M · min. income ≈ HK$254,548/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,893 · Scale 2, in force from 26 Feb 2026)