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$60,532
−HK$3,796/mo
▼ 0.25% · 3.875%
HK$62,415
−HK$1,913/mo
Today · 4.125%
HK$64,328
baseline
▲ 0.50% · 4.625%
HK$68,243
+HK$3,915/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$128,656/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,128,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,342
−HK$3,638/mo
▼ 0.25% · 3.875%
HK$69,148
−HK$1,832/mo
Today · 4.125%
HK$70,980
baseline
▲ 0.50% · 4.625%
HK$74,721
+HK$3,741/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$141,960/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,128,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,639
−HK$4,555/mo
▼ 0.25% · 3.875%
HK$74,898
−HK$2,296/mo
Today · 4.125%
HK$77,194
baseline
▲ 0.50% · 4.625%
HK$81,891
+HK$4,697/mo
Deposit HK$10.62M · loan HK$15.93M · min. income ≈ HK$154,388/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,810
−HK$4,366/mo
▼ 0.25% · 3.875%
HK$82,977
−HK$2,199/mo
Today · 4.125%
HK$85,176
baseline
▲ 0.50% · 4.625%
HK$89,666
+HK$4,490/mo
Deposit HK$10.62M · loan HK$15.93M · min. income ≈ HK$170,352/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,745
−HK$5,315/mo
▼ 0.25% · 3.875%
HK$87,381
−HK$2,679/mo
Today · 4.125%
HK$90,060
baseline
▲ 0.50% · 4.625%
HK$95,540
+HK$5,480/mo
Deposit HK$7.96M · loan HK$18.58M · min. income ≈ HK$180,120/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,128,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,278
−HK$5,094/mo
▼ 0.25% · 3.875%
HK$96,807
−HK$2,565/mo
Today · 4.125%
HK$99,372
baseline
▲ 0.50% · 4.625%
HK$104,610
+HK$5,238/mo
Deposit HK$7.96M · loan HK$18.58M · min. income ≈ HK$198,744/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,128,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,958
−HK$6,833/mo
▼ 0.25% · 3.875%
HK$112,348
−HK$3,443/mo
Today · 4.125%
HK$115,791
baseline
▲ 0.50% · 4.625%
HK$122,837
+HK$7,046/mo
Deposit HK$2.65M · loan HK$23.89M · min. income ≈ HK$231,582/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,128,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,215
−HK$6,549/mo
▼ 0.25% · 3.875%
HK$124,466
−HK$3,298/mo
Today · 4.125%
HK$127,764
baseline
▲ 0.50% · 4.625%
HK$134,499
+HK$6,735/mo
Deposit HK$2.65M · loan HK$23.89M · min. income ≈ HK$255,528/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,128,219 · Scale 2, in force from 26 Feb 2026)