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$60,522
−HK$3,796/mo
▼ 0.25% · 3.875%
HK$62,405
−HK$1,913/mo
Today · 4.125%
HK$64,318
baseline
▲ 0.50% · 4.625%
HK$68,231
+HK$3,913/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$128,636/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,128,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,331
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$69,136
−HK$1,832/mo
Today · 4.125%
HK$70,968
baseline
▲ 0.50% · 4.625%
HK$74,709
+HK$3,741/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$141,936/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,128,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,627
−HK$4,554/mo
▼ 0.25% · 3.875%
HK$74,886
−HK$2,295/mo
Today · 4.125%
HK$77,181
baseline
▲ 0.50% · 4.625%
HK$81,878
+HK$4,697/mo
Deposit HK$10.62M · loan HK$15.93M · min. income ≈ HK$154,362/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,128,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,797
−HK$4,365/mo
▼ 0.25% · 3.875%
HK$82,964
−HK$2,198/mo
Today · 4.125%
HK$85,162
baseline
▲ 0.50% · 4.625%
HK$89,651
+HK$4,489/mo
Deposit HK$10.62M · loan HK$15.93M · min. income ≈ HK$170,324/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,128,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,731
−HK$5,314/mo
▼ 0.25% · 3.875%
HK$87,367
−HK$2,678/mo
Today · 4.125%
HK$90,045
baseline
▲ 0.50% · 4.625%
HK$95,524
+HK$5,479/mo
Deposit HK$7.96M · loan HK$18.58M · min. income ≈ HK$180,090/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,128,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,263
−HK$5,093/mo
▼ 0.25% · 3.875%
HK$96,791
−HK$2,565/mo
Today · 4.125%
HK$99,356
baseline
▲ 0.50% · 4.625%
HK$104,593
+HK$5,237/mo
Deposit HK$7.96M · loan HK$18.58M · min. income ≈ HK$198,712/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,128,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,940
−HK$6,832/mo
▼ 0.25% · 3.875%
HK$112,329
−HK$3,443/mo
Today · 4.125%
HK$115,772
baseline
▲ 0.50% · 4.625%
HK$122,816
+HK$7,044/mo
Deposit HK$2.65M · loan HK$23.89M · min. income ≈ HK$231,544/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,128,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,195
−HK$6,548/mo
▼ 0.25% · 3.875%
HK$124,446
−HK$3,297/mo
Today · 4.125%
HK$127,743
baseline
▲ 0.50% · 4.625%
HK$134,477
+HK$6,734/mo
Deposit HK$2.65M · loan HK$23.89M · min. income ≈ HK$255,486/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,128,034 · Scale 2, in force from 26 Feb 2026)