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$60,561
−HK$3,797/mo
▼ 0.25% · 3.875%
HK$62,445
−HK$1,913/mo
Today · 4.125%
HK$64,358
baseline
▲ 0.50% · 4.625%
HK$68,274
+HK$3,916/mo
Deposit HK$13.28M · loan HK$13.28M · min. income ≈ HK$128,716/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,128,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,373
−HK$3,640/mo
▼ 0.25% · 3.875%
HK$69,180
−HK$1,833/mo
Today · 4.125%
HK$71,013
baseline
▲ 0.50% · 4.625%
HK$74,756
+HK$3,743/mo
Deposit HK$13.28M · loan HK$13.28M · min. income ≈ HK$142,026/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,128,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,673
−HK$4,557/mo
▼ 0.25% · 3.875%
HK$74,933
−HK$2,297/mo
Today · 4.125%
HK$77,230
baseline
▲ 0.50% · 4.625%
HK$81,929
+HK$4,699/mo
Deposit HK$10.62M · loan HK$15.94M · min. income ≈ HK$154,460/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,848
−HK$4,368/mo
▼ 0.25% · 3.875%
HK$83,016
−HK$2,200/mo
Today · 4.125%
HK$85,216
baseline
▲ 0.50% · 4.625%
HK$89,708
+HK$4,492/mo
Deposit HK$10.62M · loan HK$15.94M · min. income ≈ HK$170,432/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,785
−HK$5,317/mo
▼ 0.25% · 3.875%
HK$87,422
−HK$2,680/mo
Today · 4.125%
HK$90,102
baseline
▲ 0.50% · 4.625%
HK$95,584
+HK$5,482/mo
Deposit HK$7.97M · loan HK$18.59M · min. income ≈ HK$180,204/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,128,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,322
−HK$5,096/mo
▼ 0.25% · 3.875%
HK$96,852
−HK$2,566/mo
Today · 4.125%
HK$99,418
baseline
▲ 0.50% · 4.625%
HK$104,659
+HK$5,241/mo
Deposit HK$7.97M · loan HK$18.59M · min. income ≈ HK$198,836/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,128,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,009
−HK$6,836/mo
▼ 0.25% · 3.875%
HK$112,400
−HK$3,445/mo
Today · 4.125%
HK$115,845
baseline
▲ 0.50% · 4.625%
HK$122,894
+HK$7,049/mo
Deposit HK$2.66M · loan HK$23.90M · min. income ≈ HK$231,690/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,128,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,272
−HK$6,552/mo
▼ 0.25% · 3.875%
HK$124,524
−HK$3,300/mo
Today · 4.125%
HK$127,824
baseline
▲ 0.50% · 4.625%
HK$134,561
+HK$6,737/mo
Deposit HK$2.66M · loan HK$23.90M · min. income ≈ HK$255,648/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,128,747 · Scale 2, in force from 26 Feb 2026)