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$60,571
−HK$3,798/mo
▼ 0.25% · 3.875%
HK$62,455
−HK$1,914/mo
Today · 4.125%
HK$64,369
baseline
▲ 0.50% · 4.625%
HK$68,286
+HK$3,917/mo
Deposit HK$13.28M · loan HK$13.28M · min. income ≈ HK$128,738/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,128,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,385
−HK$3,640/mo
▼ 0.25% · 3.875%
HK$69,192
−HK$1,833/mo
Today · 4.125%
HK$71,025
baseline
▲ 0.50% · 4.625%
HK$74,769
+HK$3,744/mo
Deposit HK$13.28M · loan HK$13.28M · min. income ≈ HK$142,050/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,128,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,685
−HK$4,558/mo
▼ 0.25% · 3.875%
HK$74,946
−HK$2,297/mo
Today · 4.125%
HK$77,243
baseline
▲ 0.50% · 4.625%
HK$81,943
+HK$4,700/mo
Deposit HK$10.63M · loan HK$15.94M · min. income ≈ HK$154,486/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,861
−HK$4,369/mo
▼ 0.25% · 3.875%
HK$83,030
−HK$2,200/mo
Today · 4.125%
HK$85,230
baseline
▲ 0.50% · 4.625%
HK$89,723
+HK$4,493/mo
Deposit HK$10.63M · loan HK$15.94M · min. income ≈ HK$170,460/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,799
−HK$5,318/mo
▼ 0.25% · 3.875%
HK$87,437
−HK$2,680/mo
Today · 4.125%
HK$90,117
baseline
▲ 0.50% · 4.625%
HK$95,600
+HK$5,483/mo
Deposit HK$7.97M · loan HK$18.59M · min. income ≈ HK$180,234/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,128,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,338
−HK$5,097/mo
▼ 0.25% · 3.875%
HK$96,868
−HK$2,567/mo
Today · 4.125%
HK$99,435
baseline
▲ 0.50% · 4.625%
HK$104,677
+HK$5,242/mo
Deposit HK$7.97M · loan HK$18.59M · min. income ≈ HK$198,870/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,128,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,028
−HK$6,837/mo
▼ 0.25% · 3.875%
HK$112,419
−HK$3,446/mo
Today · 4.125%
HK$115,865
baseline
▲ 0.50% · 4.625%
HK$122,915
+HK$7,050/mo
Deposit HK$2.66M · loan HK$23.91M · min. income ≈ HK$231,730/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,128,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,292
−HK$6,553/mo
▼ 0.25% · 3.875%
HK$124,545
−HK$3,300/mo
Today · 4.125%
HK$127,845
baseline
▲ 0.50% · 4.625%
HK$134,584
+HK$6,739/mo
Deposit HK$2.66M · loan HK$23.91M · min. income ≈ HK$255,690/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,128,937 · Scale 2, in force from 26 Feb 2026)