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$60,523
−HK$3,796/mo
▼ 0.25% · 3.875%
HK$62,406
−HK$1,913/mo
Today · 4.125%
HK$64,319
baseline
▲ 0.50% · 4.625%
HK$68,232
+HK$3,913/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$128,638/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,128,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,331
−HK$3,638/mo
▼ 0.25% · 3.875%
HK$69,137
−HK$1,832/mo
Today · 4.125%
HK$70,969
baseline
▲ 0.50% · 4.625%
HK$74,710
+HK$3,741/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$141,938/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,128,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,628
−HK$4,554/mo
▼ 0.25% · 3.875%
HK$74,887
−HK$2,295/mo
Today · 4.125%
HK$77,182
baseline
▲ 0.50% · 4.625%
HK$81,879
+HK$4,697/mo
Deposit HK$10.62M · loan HK$15.93M · min. income ≈ HK$154,364/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,128,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,798
−HK$4,365/mo
▼ 0.25% · 3.875%
HK$82,965
−HK$2,198/mo
Today · 4.125%
HK$85,163
baseline
▲ 0.50% · 4.625%
HK$89,652
+HK$4,489/mo
Deposit HK$10.62M · loan HK$15.93M · min. income ≈ HK$170,326/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,128,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,732
−HK$5,314/mo
▼ 0.25% · 3.875%
HK$87,368
−HK$2,678/mo
Today · 4.125%
HK$90,046
baseline
▲ 0.50% · 4.625%
HK$95,525
+HK$5,479/mo
Deposit HK$7.96M · loan HK$18.58M · min. income ≈ HK$180,092/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,128,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,264
−HK$5,093/mo
▼ 0.25% · 3.875%
HK$96,792
−HK$2,565/mo
Today · 4.125%
HK$99,357
baseline
▲ 0.50% · 4.625%
HK$104,594
+HK$5,237/mo
Deposit HK$7.96M · loan HK$18.58M · min. income ≈ HK$198,714/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,128,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,942
−HK$6,831/mo
▼ 0.25% · 3.875%
HK$112,330
−HK$3,443/mo
Today · 4.125%
HK$115,773
baseline
▲ 0.50% · 4.625%
HK$122,818
+HK$7,045/mo
Deposit HK$2.65M · loan HK$23.89M · min. income ≈ HK$231,546/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,128,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,197
−HK$6,547/mo
▼ 0.25% · 3.875%
HK$124,447
−HK$3,297/mo
Today · 4.125%
HK$127,744
baseline
▲ 0.50% · 4.625%
HK$134,478
+HK$6,734/mo
Deposit HK$2.65M · loan HK$23.89M · min. income ≈ HK$255,488/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,128,047 · Scale 2, in force from 26 Feb 2026)