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$60,569
−HK$3,798/mo
▼ 0.25% · 3.875%
HK$62,453
−HK$1,914/mo
Today · 4.125%
HK$64,367
baseline
▲ 0.50% · 4.625%
HK$68,284
+HK$3,917/mo
Deposit HK$13.28M · loan HK$13.28M · min. income ≈ HK$128,734/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,128,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,382
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$69,189
−HK$1,834/mo
Today · 4.125%
HK$71,023
baseline
▲ 0.50% · 4.625%
HK$74,766
+HK$3,743/mo
Deposit HK$13.28M · loan HK$13.28M · min. income ≈ HK$142,046/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,128,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,683
−HK$4,557/mo
▼ 0.25% · 3.875%
HK$74,943
−HK$2,297/mo
Today · 4.125%
HK$77,240
baseline
▲ 0.50% · 4.625%
HK$81,940
+HK$4,700/mo
Deposit HK$10.62M · loan HK$15.94M · min. income ≈ HK$154,480/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,859
−HK$4,368/mo
▼ 0.25% · 3.875%
HK$83,027
−HK$2,200/mo
Today · 4.125%
HK$85,227
baseline
▲ 0.50% · 4.625%
HK$89,720
+HK$4,493/mo
Deposit HK$10.62M · loan HK$15.94M · min. income ≈ HK$170,454/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,796
−HK$5,318/mo
▼ 0.25% · 3.875%
HK$87,434
−HK$2,680/mo
Today · 4.125%
HK$90,114
baseline
▲ 0.50% · 4.625%
HK$95,597
+HK$5,483/mo
Deposit HK$7.97M · loan HK$18.59M · min. income ≈ HK$180,228/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,128,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,335
−HK$5,097/mo
▼ 0.25% · 3.875%
HK$96,865
−HK$2,567/mo
Today · 4.125%
HK$99,432
baseline
▲ 0.50% · 4.625%
HK$104,673
+HK$5,241/mo
Deposit HK$7.97M · loan HK$18.59M · min. income ≈ HK$198,864/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,128,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,024
−HK$6,837/mo
▼ 0.25% · 3.875%
HK$112,415
−HK$3,446/mo
Today · 4.125%
HK$115,861
baseline
▲ 0.50% · 4.625%
HK$122,910
+HK$7,049/mo
Deposit HK$2.66M · loan HK$23.91M · min. income ≈ HK$231,722/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,128,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,288
−HK$6,553/mo
▼ 0.25% · 3.875%
HK$124,541
−HK$3,300/mo
Today · 4.125%
HK$127,841
baseline
▲ 0.50% · 4.625%
HK$134,579
+HK$6,738/mo
Deposit HK$2.66M · loan HK$23.91M · min. income ≈ HK$255,682/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,128,897 · Scale 2, in force from 26 Feb 2026)