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$60,617
−HK$3,802/mo
▼ 0.25% · 3.875%
HK$62,503
−HK$1,916/mo
Today · 4.125%
HK$64,419
baseline
▲ 0.50% · 4.625%
HK$68,338
+HK$3,919/mo
Deposit HK$13.29M · loan HK$13.29M · min. income ≈ HK$128,838/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,129,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,436
−HK$3,644/mo
▼ 0.25% · 3.875%
HK$69,245
−HK$1,835/mo
Today · 4.125%
HK$71,080
baseline
▲ 0.50% · 4.625%
HK$74,826
+HK$3,746/mo
Deposit HK$13.29M · loan HK$13.29M · min. income ≈ HK$142,160/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,129,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,741
−HK$4,561/mo
▼ 0.25% · 3.875%
HK$75,004
−HK$2,298/mo
Today · 4.125%
HK$77,302
baseline
▲ 0.50% · 4.625%
HK$82,006
+HK$4,704/mo
Deposit HK$10.63M · loan HK$15.95M · min. income ≈ HK$154,604/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,129,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,924
−HK$4,372/mo
▼ 0.25% · 3.875%
HK$83,094
−HK$2,202/mo
Today · 4.125%
HK$85,296
baseline
▲ 0.50% · 4.625%
HK$89,792
+HK$4,496/mo
Deposit HK$10.63M · loan HK$15.95M · min. income ≈ HK$170,592/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,129,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,864
−HK$5,322/mo
▼ 0.25% · 3.875%
HK$87,504
−HK$2,682/mo
Today · 4.125%
HK$90,186
baseline
▲ 0.50% · 4.625%
HK$95,674
+HK$5,488/mo
Deposit HK$7.98M · loan HK$18.61M · min. income ≈ HK$180,372/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,129,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,411
−HK$5,101/mo
▼ 0.25% · 3.875%
HK$96,943
−HK$2,569/mo
Today · 4.125%
HK$99,512
baseline
▲ 0.50% · 4.625%
HK$104,757
+HK$5,245/mo
Deposit HK$7.98M · loan HK$18.61M · min. income ≈ HK$199,024/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,129,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,111
−HK$6,843/mo
▼ 0.25% · 3.875%
HK$112,505
−HK$3,449/mo
Today · 4.125%
HK$115,954
baseline
▲ 0.50% · 4.625%
HK$123,009
+HK$7,055/mo
Deposit HK$2.66M · loan HK$23.93M · min. income ≈ HK$231,908/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,129,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,385
−HK$6,558/mo
▼ 0.25% · 3.875%
HK$124,641
−HK$3,302/mo
Today · 4.125%
HK$127,943
baseline
▲ 0.50% · 4.625%
HK$134,687
+HK$6,744/mo
Deposit HK$2.66M · loan HK$23.93M · min. income ≈ HK$255,886/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,129,803 · Scale 2, in force from 26 Feb 2026)