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$60,619
−HK$3,801/mo
▼ 0.25% · 3.875%
HK$62,504
−HK$1,916/mo
Today · 4.125%
HK$64,420
baseline
▲ 0.50% · 4.625%
HK$68,340
+HK$3,920/mo
Deposit HK$13.29M · loan HK$13.29M · min. income ≈ HK$128,840/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,129,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,438
−HK$3,643/mo
▼ 0.25% · 3.875%
HK$69,246
−HK$1,835/mo
Today · 4.125%
HK$71,081
baseline
▲ 0.50% · 4.625%
HK$74,828
+HK$3,747/mo
Deposit HK$13.29M · loan HK$13.29M · min. income ≈ HK$142,162/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,129,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,743
−HK$4,561/mo
▼ 0.25% · 3.875%
HK$75,005
−HK$2,299/mo
Today · 4.125%
HK$77,304
baseline
▲ 0.50% · 4.625%
HK$82,008
+HK$4,704/mo
Deposit HK$10.63M · loan HK$15.95M · min. income ≈ HK$154,608/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,129,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,925
−HK$4,372/mo
▼ 0.25% · 3.875%
HK$83,096
−HK$2,201/mo
Today · 4.125%
HK$85,297
baseline
▲ 0.50% · 4.625%
HK$89,794
+HK$4,497/mo
Deposit HK$10.63M · loan HK$15.95M · min. income ≈ HK$170,594/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,129,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,866
−HK$5,322/mo
▼ 0.25% · 3.875%
HK$87,506
−HK$2,682/mo
Today · 4.125%
HK$90,188
baseline
▲ 0.50% · 4.625%
HK$95,676
+HK$5,488/mo
Deposit HK$7.98M · loan HK$18.61M · min. income ≈ HK$180,376/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,129,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,413
−HK$5,101/mo
▼ 0.25% · 3.875%
HK$96,945
−HK$2,569/mo
Today · 4.125%
HK$99,514
baseline
▲ 0.50% · 4.625%
HK$104,759
+HK$5,245/mo
Deposit HK$7.98M · loan HK$18.61M · min. income ≈ HK$199,028/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,129,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,114
−HK$6,842/mo
▼ 0.25% · 3.875%
HK$112,508
−HK$3,448/mo
Today · 4.125%
HK$115,956
baseline
▲ 0.50% · 4.625%
HK$123,012
+HK$7,056/mo
Deposit HK$2.66M · loan HK$23.93M · min. income ≈ HK$231,912/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,129,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,388
−HK$6,558/mo
▼ 0.25% · 3.875%
HK$124,644
−HK$3,302/mo
Today · 4.125%
HK$127,946
baseline
▲ 0.50% · 4.625%
HK$134,690
+HK$6,744/mo
Deposit HK$2.66M · loan HK$23.93M · min. income ≈ HK$255,892/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,129,828 · Scale 2, in force from 26 Feb 2026)