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$60,269
−HK$3,780/mo
▼ 0.25% · 3.875%
HK$62,144
−HK$1,905/mo
Today · 4.125%
HK$64,049
baseline
▲ 0.50% · 4.625%
HK$67,946
+HK$3,897/mo
Deposit HK$13.22M · loan HK$13.22M · min. income ≈ HK$128,098/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,049
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$68,847
−HK$1,824/mo
Today · 4.125%
HK$70,671
baseline
▲ 0.50% · 4.625%
HK$74,397
+HK$3,726/mo
Deposit HK$13.22M · loan HK$13.22M · min. income ≈ HK$141,342/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,323
−HK$4,535/mo
▼ 0.25% · 3.875%
HK$74,573
−HK$2,285/mo
Today · 4.125%
HK$76,858
baseline
▲ 0.50% · 4.625%
HK$81,535
+HK$4,677/mo
Deposit HK$10.57M · loan HK$15.86M · min. income ≈ HK$153,716/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,123,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,459
−HK$4,347/mo
▼ 0.25% · 3.875%
HK$82,617
−HK$2,189/mo
Today · 4.125%
HK$84,806
baseline
▲ 0.50% · 4.625%
HK$89,276
+HK$4,470/mo
Deposit HK$10.57M · loan HK$15.86M · min. income ≈ HK$169,612/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,123,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,377
−HK$5,291/mo
▼ 0.25% · 3.875%
HK$87,002
−HK$2,666/mo
Today · 4.125%
HK$89,668
baseline
▲ 0.50% · 4.625%
HK$95,124
+HK$5,456/mo
Deposit HK$7.93M · loan HK$18.50M · min. income ≈ HK$179,336/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,123,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,868
−HK$5,072/mo
▼ 0.25% · 3.875%
HK$96,386
−HK$2,554/mo
Today · 4.125%
HK$98,940
baseline
▲ 0.50% · 4.625%
HK$104,155
+HK$5,215/mo
Deposit HK$7.93M · loan HK$18.50M · min. income ≈ HK$197,880/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,123,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,485
−HK$6,803/mo
▼ 0.25% · 3.875%
HK$111,859
−HK$3,429/mo
Today · 4.125%
HK$115,288
baseline
▲ 0.50% · 4.625%
HK$122,303
+HK$7,015/mo
Deposit HK$2.64M · loan HK$23.79M · min. income ≈ HK$230,576/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,688
−HK$6,520/mo
▼ 0.25% · 3.875%
HK$123,925
−HK$3,283/mo
Today · 4.125%
HK$127,208
baseline
▲ 0.50% · 4.625%
HK$133,914
+HK$6,706/mo
Deposit HK$2.64M · loan HK$23.79M · min. income ≈ HK$254,416/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,314 · Scale 2, in force from 26 Feb 2026)