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$60,654
−HK$3,804/mo
▼ 0.25% · 3.875%
HK$62,541
−HK$1,917/mo
Today · 4.125%
HK$64,458
baseline
▲ 0.50% · 4.625%
HK$68,380
+HK$3,922/mo
Deposit HK$13.30M · loan HK$13.30M · min. income ≈ HK$128,916/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,130,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,477
−HK$3,646/mo
▼ 0.25% · 3.875%
HK$69,287
−HK$1,836/mo
Today · 4.125%
HK$71,123
baseline
▲ 0.50% · 4.625%
HK$74,872
+HK$3,749/mo
Deposit HK$13.30M · loan HK$13.30M · min. income ≈ HK$142,246/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,130,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,785
−HK$4,564/mo
▼ 0.25% · 3.875%
HK$75,049
−HK$2,300/mo
Today · 4.125%
HK$77,349
baseline
▲ 0.50% · 4.625%
HK$82,056
+HK$4,707/mo
Deposit HK$10.64M · loan HK$15.96M · min. income ≈ HK$154,698/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,130,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,973
−HK$4,374/mo
▼ 0.25% · 3.875%
HK$83,144
−HK$2,203/mo
Today · 4.125%
HK$85,347
baseline
▲ 0.50% · 4.625%
HK$89,846
+HK$4,499/mo
Deposit HK$10.64M · loan HK$15.96M · min. income ≈ HK$170,694/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,130,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,916
−HK$5,325/mo
▼ 0.25% · 3.875%
HK$87,557
−HK$2,684/mo
Today · 4.125%
HK$90,241
baseline
▲ 0.50% · 4.625%
HK$95,732
+HK$5,491/mo
Deposit HK$7.98M · loan HK$18.62M · min. income ≈ HK$180,482/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,468
−HK$5,104/mo
▼ 0.25% · 3.875%
HK$97,002
−HK$2,570/mo
Today · 4.125%
HK$99,572
baseline
▲ 0.50% · 4.625%
HK$104,820
+HK$5,248/mo
Deposit HK$7.98M · loan HK$18.62M · min. income ≈ HK$199,144/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,178
−HK$6,846/mo
▼ 0.25% · 3.875%
HK$112,574
−HK$3,450/mo
Today · 4.125%
HK$116,024
baseline
▲ 0.50% · 4.625%
HK$123,084
+HK$7,060/mo
Deposit HK$2.66M · loan HK$23.94M · min. income ≈ HK$232,048/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,459
−HK$6,562/mo
▼ 0.25% · 3.875%
HK$124,716
−HK$3,305/mo
Today · 4.125%
HK$128,021
baseline
▲ 0.50% · 4.625%
HK$134,769
+HK$6,748/mo
Deposit HK$2.66M · loan HK$23.94M · min. income ≈ HK$256,042/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,489 · Scale 2, in force from 26 Feb 2026)