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$60,395
−HK$3,787/mo
▼ 0.25% · 3.875%
HK$62,274
−HK$1,908/mo
Today · 4.125%
HK$64,182
baseline
▲ 0.50% · 4.625%
HK$68,088
+HK$3,906/mo
Deposit HK$13.24M · loan HK$13.24M · min. income ≈ HK$128,364/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,125,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,189
−HK$3,630/mo
▼ 0.25% · 3.875%
HK$68,991
−HK$1,828/mo
Today · 4.125%
HK$70,819
baseline
▲ 0.50% · 4.625%
HK$74,552
+HK$3,733/mo
Deposit HK$13.24M · loan HK$13.24M · min. income ≈ HK$141,638/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,125,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,474
−HK$4,545/mo
▼ 0.25% · 3.875%
HK$74,728
−HK$2,291/mo
Today · 4.125%
HK$77,019
baseline
▲ 0.50% · 4.625%
HK$81,705
+HK$4,686/mo
Deposit HK$10.59M · loan HK$15.89M · min. income ≈ HK$154,038/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,125,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,626
−HK$4,356/mo
▼ 0.25% · 3.875%
HK$82,789
−HK$2,193/mo
Today · 4.125%
HK$84,982
baseline
▲ 0.50% · 4.625%
HK$89,462
+HK$4,480/mo
Deposit HK$10.59M · loan HK$15.89M · min. income ≈ HK$169,964/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,125,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,553
−HK$5,302/mo
▼ 0.25% · 3.875%
HK$87,183
−HK$2,672/mo
Today · 4.125%
HK$89,855
baseline
▲ 0.50% · 4.625%
HK$95,323
+HK$5,468/mo
Deposit HK$7.95M · loan HK$18.54M · min. income ≈ HK$179,710/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,064
−HK$5,082/mo
▼ 0.25% · 3.875%
HK$96,587
−HK$2,559/mo
Today · 4.125%
HK$99,146
baseline
▲ 0.50% · 4.625%
HK$104,372
+HK$5,226/mo
Deposit HK$7.95M · loan HK$18.54M · min. income ≈ HK$198,292/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,711
−HK$6,817/mo
▼ 0.25% · 3.875%
HK$112,092
−HK$3,436/mo
Today · 4.125%
HK$115,528
baseline
▲ 0.50% · 4.625%
HK$122,558
+HK$7,030/mo
Deposit HK$2.65M · loan HK$23.84M · min. income ≈ HK$231,056/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,125,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,940
−HK$6,534/mo
▼ 0.25% · 3.875%
HK$124,183
−HK$3,291/mo
Today · 4.125%
HK$127,474
baseline
▲ 0.50% · 4.625%
HK$134,193
+HK$6,719/mo
Deposit HK$2.65M · loan HK$23.84M · min. income ≈ HK$254,948/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,125,656 · Scale 2, in force from 26 Feb 2026)