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$60,319
−HK$3,783/mo
▼ 0.25% · 3.875%
HK$62,196
−HK$1,906/mo
Today · 4.125%
HK$64,102
baseline
▲ 0.50% · 4.625%
HK$68,002
+HK$3,900/mo
Deposit HK$13.23M · loan HK$13.23M · min. income ≈ HK$128,204/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,124,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,105
−HK$3,625/mo
▼ 0.25% · 3.875%
HK$68,905
−HK$1,825/mo
Today · 4.125%
HK$70,730
baseline
▲ 0.50% · 4.625%
HK$74,459
+HK$3,729/mo
Deposit HK$13.23M · loan HK$13.23M · min. income ≈ HK$141,460/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,124,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,383
−HK$4,539/mo
▼ 0.25% · 3.875%
HK$74,635
−HK$2,287/mo
Today · 4.125%
HK$76,922
baseline
▲ 0.50% · 4.625%
HK$81,603
+HK$4,681/mo
Deposit HK$10.58M · loan HK$15.87M · min. income ≈ HK$153,844/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,124,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,526
−HK$4,350/mo
▼ 0.25% · 3.875%
HK$82,685
−HK$2,191/mo
Today · 4.125%
HK$84,876
baseline
▲ 0.50% · 4.625%
HK$89,350
+HK$4,474/mo
Deposit HK$10.58M · loan HK$15.87M · min. income ≈ HK$169,752/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,124,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,447
−HK$5,296/mo
▼ 0.25% · 3.875%
HK$87,074
−HK$2,669/mo
Today · 4.125%
HK$89,743
baseline
▲ 0.50% · 4.625%
HK$95,203
+HK$5,460/mo
Deposit HK$7.94M · loan HK$18.52M · min. income ≈ HK$179,486/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,124,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,947
−HK$5,075/mo
▼ 0.25% · 3.875%
HK$96,466
−HK$2,556/mo
Today · 4.125%
HK$99,022
baseline
▲ 0.50% · 4.625%
HK$104,242
+HK$5,220/mo
Deposit HK$7.94M · loan HK$18.52M · min. income ≈ HK$198,044/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,124,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,575
−HK$6,809/mo
▼ 0.25% · 3.875%
HK$111,952
−HK$3,432/mo
Today · 4.125%
HK$115,384
baseline
▲ 0.50% · 4.625%
HK$122,404
+HK$7,020/mo
Deposit HK$2.65M · loan HK$23.81M · min. income ≈ HK$230,768/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,789
−HK$6,525/mo
▼ 0.25% · 3.875%
HK$124,028
−HK$3,286/mo
Today · 4.125%
HK$127,314
baseline
▲ 0.50% · 4.625%
HK$134,025
+HK$6,711/mo
Deposit HK$2.65M · loan HK$23.81M · min. income ≈ HK$254,628/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,250 · Scale 2, in force from 26 Feb 2026)