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$60,628
−HK$3,802/mo
▼ 0.25% · 3.875%
HK$62,514
−HK$1,916/mo
Today · 4.125%
HK$64,430
baseline
▲ 0.50% · 4.625%
HK$68,350
+HK$3,920/mo
Deposit HK$13.29M · loan HK$13.29M · min. income ≈ HK$128,860/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,129,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,448
−HK$3,644/mo
▼ 0.25% · 3.875%
HK$69,257
−HK$1,835/mo
Today · 4.125%
HK$71,092
baseline
▲ 0.50% · 4.625%
HK$74,839
+HK$3,747/mo
Deposit HK$13.29M · loan HK$13.29M · min. income ≈ HK$142,184/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,129,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,753
−HK$4,563/mo
▼ 0.25% · 3.875%
HK$75,016
−HK$2,300/mo
Today · 4.125%
HK$77,316
baseline
▲ 0.50% · 4.625%
HK$82,020
+HK$4,704/mo
Deposit HK$10.64M · loan HK$15.95M · min. income ≈ HK$154,632/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,129,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,937
−HK$4,373/mo
▼ 0.25% · 3.875%
HK$83,108
−HK$2,202/mo
Today · 4.125%
HK$85,310
baseline
▲ 0.50% · 4.625%
HK$89,807
+HK$4,497/mo
Deposit HK$10.64M · loan HK$15.95M · min. income ≈ HK$170,620/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,129,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,879
−HK$5,323/mo
▼ 0.25% · 3.875%
HK$87,519
−HK$2,683/mo
Today · 4.125%
HK$90,202
baseline
▲ 0.50% · 4.625%
HK$95,690
+HK$5,488/mo
Deposit HK$7.98M · loan HK$18.61M · min. income ≈ HK$180,404/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,129,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,427
−HK$5,101/mo
▼ 0.25% · 3.875%
HK$96,959
−HK$2,569/mo
Today · 4.125%
HK$99,528
baseline
▲ 0.50% · 4.625%
HK$104,775
+HK$5,247/mo
Deposit HK$7.98M · loan HK$18.61M · min. income ≈ HK$199,056/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,129,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,130
−HK$6,843/mo
▼ 0.25% · 3.875%
HK$112,525
−HK$3,448/mo
Today · 4.125%
HK$115,973
baseline
▲ 0.50% · 4.625%
HK$123,030
+HK$7,057/mo
Deposit HK$2.66M · loan HK$23.93M · min. income ≈ HK$231,946/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,129,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,406
−HK$6,559/mo
▼ 0.25% · 3.875%
HK$124,662
−HK$3,303/mo
Today · 4.125%
HK$127,965
baseline
▲ 0.50% · 4.625%
HK$134,710
+HK$6,745/mo
Deposit HK$2.66M · loan HK$23.93M · min. income ≈ HK$255,930/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,129,996 · Scale 2, in force from 26 Feb 2026)