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$60,241
−HK$3,778/mo
▼ 0.25% · 3.875%
HK$62,115
−HK$1,904/mo
Today · 4.125%
HK$64,019
baseline
▲ 0.50% · 4.625%
HK$67,914
+HK$3,895/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$128,038/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,122,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,018
−HK$3,621/mo
▼ 0.25% · 3.875%
HK$68,815
−HK$1,824/mo
Today · 4.125%
HK$70,639
baseline
▲ 0.50% · 4.625%
HK$74,362
+HK$3,723/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$141,278/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,122,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,290
−HK$4,533/mo
▼ 0.25% · 3.875%
HK$74,538
−HK$2,285/mo
Today · 4.125%
HK$76,823
baseline
▲ 0.50% · 4.625%
HK$81,497
+HK$4,674/mo
Deposit HK$10.57M · loan HK$15.85M · min. income ≈ HK$153,646/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,122,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,421
−HK$4,345/mo
▼ 0.25% · 3.875%
HK$82,578
−HK$2,188/mo
Today · 4.125%
HK$84,766
baseline
▲ 0.50% · 4.625%
HK$89,235
+HK$4,469/mo
Deposit HK$10.57M · loan HK$15.85M · min. income ≈ HK$169,532/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,122,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,338
−HK$5,289/mo
▼ 0.25% · 3.875%
HK$86,961
−HK$2,666/mo
Today · 4.125%
HK$89,627
baseline
▲ 0.50% · 4.625%
HK$95,080
+HK$5,453/mo
Deposit HK$7.93M · loan HK$18.49M · min. income ≈ HK$179,254/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,122,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,825
−HK$5,069/mo
▼ 0.25% · 3.875%
HK$96,341
−HK$2,553/mo
Today · 4.125%
HK$98,894
baseline
▲ 0.50% · 4.625%
HK$104,107
+HK$5,213/mo
Deposit HK$7.93M · loan HK$18.49M · min. income ≈ HK$197,788/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,122,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,434
−HK$6,800/mo
▼ 0.25% · 3.875%
HK$111,807
−HK$3,427/mo
Today · 4.125%
HK$115,234
baseline
▲ 0.50% · 4.625%
HK$122,246
+HK$7,012/mo
Deposit HK$2.64M · loan HK$23.78M · min. income ≈ HK$230,468/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,632
−HK$6,518/mo
▼ 0.25% · 3.875%
HK$123,868
−HK$3,282/mo
Today · 4.125%
HK$127,150
baseline
▲ 0.50% · 4.625%
HK$133,852
+HK$6,702/mo
Deposit HK$2.64M · loan HK$23.78M · min. income ≈ HK$254,300/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,794 · Scale 2, in force from 26 Feb 2026)