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$60,364
−HK$3,785/mo
▼ 0.25% · 3.875%
HK$62,242
−HK$1,907/mo
Today · 4.125%
HK$64,149
baseline
▲ 0.50% · 4.625%
HK$68,053
+HK$3,904/mo
Deposit HK$13.24M · loan HK$13.24M · min. income ≈ HK$128,298/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,125,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,154
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$68,955
−HK$1,827/mo
Today · 4.125%
HK$70,782
baseline
▲ 0.50% · 4.625%
HK$74,513
+HK$3,731/mo
Deposit HK$13.24M · loan HK$13.24M · min. income ≈ HK$141,564/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,125,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,437
−HK$4,542/mo
▼ 0.25% · 3.875%
HK$74,690
−HK$2,289/mo
Today · 4.125%
HK$76,979
baseline
▲ 0.50% · 4.625%
HK$81,663
+HK$4,684/mo
Deposit HK$10.59M · loan HK$15.88M · min. income ≈ HK$153,958/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,125,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,585
−HK$4,354/mo
▼ 0.25% · 3.875%
HK$82,746
−HK$2,193/mo
Today · 4.125%
HK$84,939
baseline
▲ 0.50% · 4.625%
HK$89,416
+HK$4,477/mo
Deposit HK$10.59M · loan HK$15.88M · min. income ≈ HK$169,878/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,125,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,509
−HK$5,300/mo
▼ 0.25% · 3.875%
HK$87,138
−HK$2,671/mo
Today · 4.125%
HK$89,809
baseline
▲ 0.50% · 4.625%
HK$95,274
+HK$5,465/mo
Deposit HK$7.94M · loan HK$18.53M · min. income ≈ HK$179,618/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,016
−HK$5,079/mo
▼ 0.25% · 3.875%
HK$96,537
−HK$2,558/mo
Today · 4.125%
HK$99,095
baseline
▲ 0.50% · 4.625%
HK$104,319
+HK$5,224/mo
Deposit HK$7.94M · loan HK$18.53M · min. income ≈ HK$198,190/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,655
−HK$6,814/mo
▼ 0.25% · 3.875%
HK$112,035
−HK$3,434/mo
Today · 4.125%
HK$115,469
baseline
▲ 0.50% · 4.625%
HK$122,495
+HK$7,026/mo
Deposit HK$2.65M · loan HK$23.83M · min. income ≈ HK$230,938/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,125,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,878
−HK$6,530/mo
▼ 0.25% · 3.875%
HK$124,119
−HK$3,289/mo
Today · 4.125%
HK$127,408
baseline
▲ 0.50% · 4.625%
HK$134,124
+HK$6,716/mo
Deposit HK$2.65M · loan HK$23.83M · min. income ≈ HK$254,816/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,125,078 · Scale 2, in force from 26 Feb 2026)