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$60,290
−HK$3,781/mo
▼ 0.25% · 3.875%
HK$62,166
−HK$1,905/mo
Today · 4.125%
HK$64,071
baseline
▲ 0.50% · 4.625%
HK$67,970
+HK$3,899/mo
Deposit HK$13.22M · loan HK$13.22M · min. income ≈ HK$128,142/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,072
−HK$3,624/mo
▼ 0.25% · 3.875%
HK$68,871
−HK$1,825/mo
Today · 4.125%
HK$70,696
baseline
▲ 0.50% · 4.625%
HK$74,423
+HK$3,727/mo
Deposit HK$13.22M · loan HK$13.22M · min. income ≈ HK$141,392/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,348
−HK$4,537/mo
▼ 0.25% · 3.875%
HK$74,599
−HK$2,286/mo
Today · 4.125%
HK$76,885
baseline
▲ 0.50% · 4.625%
HK$81,564
+HK$4,679/mo
Deposit HK$10.58M · loan HK$15.86M · min. income ≈ HK$153,770/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,123,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,487
−HK$4,348/mo
▼ 0.25% · 3.875%
HK$82,646
−HK$2,189/mo
Today · 4.125%
HK$84,835
baseline
▲ 0.50% · 4.625%
HK$89,307
+HK$4,472/mo
Deposit HK$10.58M · loan HK$15.86M · min. income ≈ HK$169,670/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,123,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,407
−HK$5,293/mo
▼ 0.25% · 3.875%
HK$87,032
−HK$2,668/mo
Today · 4.125%
HK$89,700
baseline
▲ 0.50% · 4.625%
HK$95,158
+HK$5,458/mo
Deposit HK$7.93M · loan HK$18.51M · min. income ≈ HK$179,400/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,123,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,901
−HK$5,074/mo
▼ 0.25% · 3.875%
HK$96,420
−HK$2,555/mo
Today · 4.125%
HK$98,975
baseline
▲ 0.50% · 4.625%
HK$104,192
+HK$5,217/mo
Deposit HK$7.93M · loan HK$18.51M · min. income ≈ HK$197,950/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,123,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,523
−HK$6,805/mo
▼ 0.25% · 3.875%
HK$111,898
−HK$3,430/mo
Today · 4.125%
HK$115,328
baseline
▲ 0.50% · 4.625%
HK$122,345
+HK$7,017/mo
Deposit HK$2.64M · loan HK$23.80M · min. income ≈ HK$230,656/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,730
−HK$6,523/mo
▼ 0.25% · 3.875%
HK$123,968
−HK$3,285/mo
Today · 4.125%
HK$127,253
baseline
▲ 0.50% · 4.625%
HK$133,961
+HK$6,708/mo
Deposit HK$2.64M · loan HK$23.80M · min. income ≈ HK$254,506/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,708 · Scale 2, in force from 26 Feb 2026)