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$60,352
−HK$3,785/mo
▼ 0.25% · 3.875%
HK$62,229
−HK$1,908/mo
Today · 4.125%
HK$64,137
baseline
▲ 0.50% · 4.625%
HK$68,039
+HK$3,902/mo
Deposit HK$13.23M · loan HK$13.23M · min. income ≈ HK$128,274/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,124,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,141
−HK$3,627/mo
▼ 0.25% · 3.875%
HK$68,942
−HK$1,826/mo
Today · 4.125%
HK$70,768
baseline
▲ 0.50% · 4.625%
HK$74,499
+HK$3,731/mo
Deposit HK$13.23M · loan HK$13.23M · min. income ≈ HK$141,536/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,124,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,422
−HK$4,542/mo
▼ 0.25% · 3.875%
HK$74,675
−HK$2,289/mo
Today · 4.125%
HK$76,964
baseline
▲ 0.50% · 4.625%
HK$81,647
+HK$4,683/mo
Deposit HK$10.59M · loan HK$15.88M · min. income ≈ HK$153,928/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,124,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,569
−HK$4,353/mo
▼ 0.25% · 3.875%
HK$82,730
−HK$2,192/mo
Today · 4.125%
HK$84,922
baseline
▲ 0.50% · 4.625%
HK$89,398
+HK$4,476/mo
Deposit HK$10.59M · loan HK$15.88M · min. income ≈ HK$169,844/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,124,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,493
−HK$5,298/mo
▼ 0.25% · 3.875%
HK$87,121
−HK$2,670/mo
Today · 4.125%
HK$89,791
baseline
▲ 0.50% · 4.625%
HK$95,255
+HK$5,464/mo
Deposit HK$7.94M · loan HK$18.53M · min. income ≈ HK$179,582/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,124,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,997
−HK$5,079/mo
▼ 0.25% · 3.875%
HK$96,518
−HK$2,558/mo
Today · 4.125%
HK$99,076
baseline
▲ 0.50% · 4.625%
HK$104,298
+HK$5,222/mo
Deposit HK$7.94M · loan HK$18.53M · min. income ≈ HK$198,152/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,124,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,634
−HK$6,812/mo
▼ 0.25% · 3.875%
HK$112,013
−HK$3,433/mo
Today · 4.125%
HK$115,446
baseline
▲ 0.50% · 4.625%
HK$122,470
+HK$7,024/mo
Deposit HK$2.65M · loan HK$23.82M · min. income ≈ HK$230,892/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,854
−HK$6,529/mo
▼ 0.25% · 3.875%
HK$124,095
−HK$3,288/mo
Today · 4.125%
HK$127,383
baseline
▲ 0.50% · 4.625%
HK$134,098
+HK$6,715/mo
Deposit HK$2.65M · loan HK$23.82M · min. income ≈ HK$254,766/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,856 · Scale 2, in force from 26 Feb 2026)