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$60,242
−HK$3,778/mo
▼ 0.25% · 3.875%
HK$62,116
−HK$1,904/mo
Today · 4.125%
HK$64,020
baseline
▲ 0.50% · 4.625%
HK$67,915
+HK$3,895/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$128,040/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,122,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,019
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$68,816
−HK$1,823/mo
Today · 4.125%
HK$70,639
baseline
▲ 0.50% · 4.625%
HK$74,363
+HK$3,724/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$141,278/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,122,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,290
−HK$4,534/mo
▼ 0.25% · 3.875%
HK$74,539
−HK$2,285/mo
Today · 4.125%
HK$76,824
baseline
▲ 0.50% · 4.625%
HK$81,498
+HK$4,674/mo
Deposit HK$10.57M · loan HK$15.85M · min. income ≈ HK$153,648/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,122,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,422
−HK$4,345/mo
▼ 0.25% · 3.875%
HK$82,579
−HK$2,188/mo
Today · 4.125%
HK$84,767
baseline
▲ 0.50% · 4.625%
HK$89,235
+HK$4,468/mo
Deposit HK$10.57M · loan HK$15.85M · min. income ≈ HK$169,534/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,122,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,339
−HK$5,288/mo
▼ 0.25% · 3.875%
HK$86,962
−HK$2,665/mo
Today · 4.125%
HK$89,627
baseline
▲ 0.50% · 4.625%
HK$95,081
+HK$5,454/mo
Deposit HK$7.93M · loan HK$18.49M · min. income ≈ HK$179,254/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,122,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,826
−HK$5,069/mo
▼ 0.25% · 3.875%
HK$96,342
−HK$2,553/mo
Today · 4.125%
HK$98,895
baseline
▲ 0.50% · 4.625%
HK$104,108
+HK$5,213/mo
Deposit HK$7.93M · loan HK$18.49M · min. income ≈ HK$197,790/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,122,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,435
−HK$6,800/mo
▼ 0.25% · 3.875%
HK$111,808
−HK$3,427/mo
Today · 4.125%
HK$115,235
baseline
▲ 0.50% · 4.625%
HK$122,247
+HK$7,012/mo
Deposit HK$2.64M · loan HK$23.78M · min. income ≈ HK$230,470/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,633
−HK$6,518/mo
▼ 0.25% · 3.875%
HK$123,869
−HK$3,282/mo
Today · 4.125%
HK$127,151
baseline
▲ 0.50% · 4.625%
HK$133,853
+HK$6,702/mo
Deposit HK$2.64M · loan HK$23.78M · min. income ≈ HK$254,302/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,804 · Scale 2, in force from 26 Feb 2026)