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$60,273
−HK$3,780/mo
▼ 0.25% · 3.875%
HK$62,148
−HK$1,905/mo
Today · 4.125%
HK$64,053
baseline
▲ 0.50% · 4.625%
HK$67,950
+HK$3,897/mo
Deposit HK$13.22M · loan HK$13.22M · min. income ≈ HK$128,106/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,053
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$68,852
−HK$1,824/mo
Today · 4.125%
HK$70,676
baseline
▲ 0.50% · 4.625%
HK$74,402
+HK$3,726/mo
Deposit HK$13.22M · loan HK$13.22M · min. income ≈ HK$141,352/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,328
−HK$4,536/mo
▼ 0.25% · 3.875%
HK$74,578
−HK$2,286/mo
Today · 4.125%
HK$76,864
baseline
▲ 0.50% · 4.625%
HK$81,541
+HK$4,677/mo
Deposit HK$10.57M · loan HK$15.86M · min. income ≈ HK$153,728/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,123,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,464
−HK$4,347/mo
▼ 0.25% · 3.875%
HK$82,622
−HK$2,189/mo
Today · 4.125%
HK$84,811
baseline
▲ 0.50% · 4.625%
HK$89,282
+HK$4,471/mo
Deposit HK$10.57M · loan HK$15.86M · min. income ≈ HK$169,622/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,123,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,383
−HK$5,291/mo
▼ 0.25% · 3.875%
HK$87,007
−HK$2,667/mo
Today · 4.125%
HK$89,674
baseline
▲ 0.50% · 4.625%
HK$95,131
+HK$5,457/mo
Deposit HK$7.93M · loan HK$18.50M · min. income ≈ HK$179,348/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,123,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,875
−HK$5,072/mo
▼ 0.25% · 3.875%
HK$96,392
−HK$2,555/mo
Today · 4.125%
HK$98,947
baseline
▲ 0.50% · 4.625%
HK$104,162
+HK$5,215/mo
Deposit HK$7.93M · loan HK$18.50M · min. income ≈ HK$197,894/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,123,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,492
−HK$6,803/mo
▼ 0.25% · 3.875%
HK$111,867
−HK$3,428/mo
Today · 4.125%
HK$115,295
baseline
▲ 0.50% · 4.625%
HK$122,311
+HK$7,016/mo
Deposit HK$2.64M · loan HK$23.79M · min. income ≈ HK$230,590/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,696
−HK$6,521/mo
▼ 0.25% · 3.875%
HK$123,933
−HK$3,284/mo
Today · 4.125%
HK$127,217
baseline
▲ 0.50% · 4.625%
HK$133,923
+HK$6,706/mo
Deposit HK$2.64M · loan HK$23.79M · min. income ≈ HK$254,434/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,389 · Scale 2, in force from 26 Feb 2026)