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$60,382
−HK$3,786/mo
▼ 0.25% · 3.875%
HK$62,260
−HK$1,908/mo
Today · 4.125%
HK$64,168
baseline
▲ 0.50% · 4.625%
HK$68,072
+HK$3,904/mo
Deposit HK$13.24M · loan HK$13.24M · min. income ≈ HK$128,336/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,125,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,174
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$68,975
−HK$1,828/mo
Today · 4.125%
HK$70,803
baseline
▲ 0.50% · 4.625%
HK$74,535
+HK$3,732/mo
Deposit HK$13.24M · loan HK$13.24M · min. income ≈ HK$141,606/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,125,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,458
−HK$4,544/mo
▼ 0.25% · 3.875%
HK$74,712
−HK$2,290/mo
Today · 4.125%
HK$77,002
baseline
▲ 0.50% · 4.625%
HK$81,687
+HK$4,685/mo
Deposit HK$10.59M · loan HK$15.89M · min. income ≈ HK$154,004/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,125,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,609
−HK$4,355/mo
▼ 0.25% · 3.875%
HK$82,771
−HK$2,193/mo
Today · 4.125%
HK$84,964
baseline
▲ 0.50% · 4.625%
HK$89,442
+HK$4,478/mo
Deposit HK$10.59M · loan HK$15.89M · min. income ≈ HK$169,928/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,125,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,534
−HK$5,301/mo
▼ 0.25% · 3.875%
HK$87,164
−HK$2,671/mo
Today · 4.125%
HK$89,835
baseline
▲ 0.50% · 4.625%
HK$95,301
+HK$5,466/mo
Deposit HK$7.94M · loan HK$18.54M · min. income ≈ HK$179,670/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,043
−HK$5,081/mo
▼ 0.25% · 3.875%
HK$96,566
−HK$2,558/mo
Today · 4.125%
HK$99,124
baseline
▲ 0.50% · 4.625%
HK$104,349
+HK$5,225/mo
Deposit HK$7.94M · loan HK$18.54M · min. income ≈ HK$198,248/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,687
−HK$6,815/mo
▼ 0.25% · 3.875%
HK$112,068
−HK$3,434/mo
Today · 4.125%
HK$115,502
baseline
▲ 0.50% · 4.625%
HK$122,530
+HK$7,028/mo
Deposit HK$2.65M · loan HK$23.83M · min. income ≈ HK$231,004/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,125,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,913
−HK$6,533/mo
▼ 0.25% · 3.875%
HK$124,156
−HK$3,290/mo
Today · 4.125%
HK$127,446
baseline
▲ 0.50% · 4.625%
HK$134,163
+HK$6,717/mo
Deposit HK$2.65M · loan HK$23.83M · min. income ≈ HK$254,892/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,125,407 · Scale 2, in force from 26 Feb 2026)