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$60,408
−HK$3,788/mo
▼ 0.25% · 3.875%
HK$62,287
−HK$1,909/mo
Today · 4.125%
HK$64,196
baseline
▲ 0.50% · 4.625%
HK$68,102
+HK$3,906/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$128,392/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,125,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,203
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$69,006
−HK$1,828/mo
Today · 4.125%
HK$70,834
baseline
▲ 0.50% · 4.625%
HK$74,568
+HK$3,734/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$141,668/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,125,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,489
−HK$4,546/mo
▼ 0.25% · 3.875%
HK$74,744
−HK$2,291/mo
Today · 4.125%
HK$77,035
baseline
▲ 0.50% · 4.625%
HK$81,723
+HK$4,688/mo
Deposit HK$10.60M · loan HK$15.90M · min. income ≈ HK$154,070/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,125,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,644
−HK$4,357/mo
▼ 0.25% · 3.875%
HK$82,807
−HK$2,194/mo
Today · 4.125%
HK$85,001
baseline
▲ 0.50% · 4.625%
HK$89,481
+HK$4,480/mo
Deposit HK$10.60M · loan HK$15.90M · min. income ≈ HK$170,002/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,125,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,571
−HK$5,303/mo
▼ 0.25% · 3.875%
HK$87,202
−HK$2,672/mo
Today · 4.125%
HK$89,874
baseline
▲ 0.50% · 4.625%
HK$95,343
+HK$5,469/mo
Deposit HK$7.95M · loan HK$18.54M · min. income ≈ HK$179,748/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,084
−HK$5,084/mo
▼ 0.25% · 3.875%
HK$96,608
−HK$2,560/mo
Today · 4.125%
HK$99,168
baseline
▲ 0.50% · 4.625%
HK$104,395
+HK$5,227/mo
Deposit HK$7.95M · loan HK$18.54M · min. income ≈ HK$198,336/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,734
−HK$6,819/mo
▼ 0.25% · 3.875%
HK$112,116
−HK$3,437/mo
Today · 4.125%
HK$115,553
baseline
▲ 0.50% · 4.625%
HK$122,584
+HK$7,031/mo
Deposit HK$2.65M · loan HK$23.84M · min. income ≈ HK$231,106/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,125,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,966
−HK$6,535/mo
▼ 0.25% · 3.875%
HK$124,210
−HK$3,291/mo
Today · 4.125%
HK$127,501
baseline
▲ 0.50% · 4.625%
HK$134,222
+HK$6,721/mo
Deposit HK$2.65M · loan HK$23.84M · min. income ≈ HK$255,002/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,125,898 · Scale 2, in force from 26 Feb 2026)