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$60,226
−HK$3,777/mo
▼ 0.25% · 3.875%
HK$62,099
−HK$1,904/mo
Today · 4.125%
HK$64,003
baseline
▲ 0.50% · 4.625%
HK$67,897
+HK$3,894/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$128,006/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,122,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,001
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$68,798
−HK$1,823/mo
Today · 4.125%
HK$70,621
baseline
▲ 0.50% · 4.625%
HK$74,343
+HK$3,722/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$141,242/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,122,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,271
−HK$4,532/mo
▼ 0.25% · 3.875%
HK$74,519
−HK$2,284/mo
Today · 4.125%
HK$76,803
baseline
▲ 0.50% · 4.625%
HK$81,477
+HK$4,674/mo
Deposit HK$10.56M · loan HK$15.85M · min. income ≈ HK$153,606/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,122,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,401
−HK$4,344/mo
▼ 0.25% · 3.875%
HK$82,557
−HK$2,188/mo
Today · 4.125%
HK$84,745
baseline
▲ 0.50% · 4.625%
HK$89,212
+HK$4,467/mo
Deposit HK$10.56M · loan HK$15.85M · min. income ≈ HK$169,490/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,122,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,316
−HK$5,288/mo
▼ 0.25% · 3.875%
HK$86,939
−HK$2,665/mo
Today · 4.125%
HK$89,604
baseline
▲ 0.50% · 4.625%
HK$95,056
+HK$5,452/mo
Deposit HK$7.92M · loan HK$18.49M · min. income ≈ HK$179,208/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,122,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,801
−HK$5,068/mo
▼ 0.25% · 3.875%
HK$96,317
−HK$2,552/mo
Today · 4.125%
HK$98,869
baseline
▲ 0.50% · 4.625%
HK$104,080
+HK$5,211/mo
Deposit HK$7.92M · loan HK$18.49M · min. income ≈ HK$197,738/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,122,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,407
−HK$6,798/mo
▼ 0.25% · 3.875%
HK$111,779
−HK$3,426/mo
Today · 4.125%
HK$115,205
baseline
▲ 0.50% · 4.625%
HK$122,215
+HK$7,010/mo
Deposit HK$2.64M · loan HK$23.77M · min. income ≈ HK$230,410/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,602
−HK$6,515/mo
▼ 0.25% · 3.875%
HK$123,836
−HK$3,281/mo
Today · 4.125%
HK$127,117
baseline
▲ 0.50% · 4.625%
HK$133,818
+HK$6,701/mo
Deposit HK$2.64M · loan HK$23.77M · min. income ≈ HK$254,234/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,508 · Scale 2, in force from 26 Feb 2026)