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$60,567
−HK$3,799/mo
▼ 0.25% · 3.875%
HK$62,451
−HK$1,915/mo
Today · 4.125%
HK$64,366
baseline
▲ 0.50% · 4.625%
HK$68,282
+HK$3,916/mo
Deposit HK$13.28M · loan HK$13.28M · min. income ≈ HK$128,732/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,128,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,381
−HK$3,640/mo
▼ 0.25% · 3.875%
HK$69,188
−HK$1,833/mo
Today · 4.125%
HK$71,021
baseline
▲ 0.50% · 4.625%
HK$74,765
+HK$3,744/mo
Deposit HK$13.28M · loan HK$13.28M · min. income ≈ HK$142,042/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,128,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,681
−HK$4,558/mo
▼ 0.25% · 3.875%
HK$74,942
−HK$2,297/mo
Today · 4.125%
HK$77,239
baseline
▲ 0.50% · 4.625%
HK$81,938
+HK$4,699/mo
Deposit HK$10.62M · loan HK$15.94M · min. income ≈ HK$154,478/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,857
−HK$4,368/mo
▼ 0.25% · 3.875%
HK$83,025
−HK$2,200/mo
Today · 4.125%
HK$85,225
baseline
▲ 0.50% · 4.625%
HK$89,718
+HK$4,493/mo
Deposit HK$10.62M · loan HK$15.94M · min. income ≈ HK$170,450/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,794
−HK$5,318/mo
▼ 0.25% · 3.875%
HK$87,432
−HK$2,680/mo
Today · 4.125%
HK$90,112
baseline
▲ 0.50% · 4.625%
HK$95,595
+HK$5,483/mo
Deposit HK$7.97M · loan HK$18.59M · min. income ≈ HK$180,224/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,128,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,333
−HK$5,096/mo
▼ 0.25% · 3.875%
HK$96,863
−HK$2,566/mo
Today · 4.125%
HK$99,429
baseline
▲ 0.50% · 4.625%
HK$104,670
+HK$5,241/mo
Deposit HK$7.97M · loan HK$18.59M · min. income ≈ HK$198,858/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,128,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,021
−HK$6,837/mo
▼ 0.25% · 3.875%
HK$112,413
−HK$3,445/mo
Today · 4.125%
HK$115,858
baseline
▲ 0.50% · 4.625%
HK$122,908
+HK$7,050/mo
Deposit HK$2.66M · loan HK$23.91M · min. income ≈ HK$231,716/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,128,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,285
−HK$6,553/mo
▼ 0.25% · 3.875%
HK$124,538
−HK$3,300/mo
Today · 4.125%
HK$127,838
baseline
▲ 0.50% · 4.625%
HK$134,576
+HK$6,738/mo
Deposit HK$2.66M · loan HK$23.91M · min. income ≈ HK$255,676/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,128,871 · Scale 2, in force from 26 Feb 2026)