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$60,556
−HK$3,798/mo
▼ 0.25% · 3.875%
HK$62,440
−HK$1,914/mo
Today · 4.125%
HK$64,354
baseline
▲ 0.50% · 4.625%
HK$68,269
+HK$3,915/mo
Deposit HK$13.28M · loan HK$13.28M · min. income ≈ HK$128,708/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,128,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,368
−HK$3,640/mo
▼ 0.25% · 3.875%
HK$69,175
−HK$1,833/mo
Today · 4.125%
HK$71,008
baseline
▲ 0.50% · 4.625%
HK$74,751
+HK$3,743/mo
Deposit HK$13.28M · loan HK$13.28M · min. income ≈ HK$142,016/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,128,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,667
−HK$4,557/mo
▼ 0.25% · 3.875%
HK$74,928
−HK$2,296/mo
Today · 4.125%
HK$77,224
baseline
▲ 0.50% · 4.625%
HK$81,923
+HK$4,699/mo
Deposit HK$10.62M · loan HK$15.93M · min. income ≈ HK$154,448/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,842
−HK$4,367/mo
▼ 0.25% · 3.875%
HK$83,010
−HK$2,199/mo
Today · 4.125%
HK$85,209
baseline
▲ 0.50% · 4.625%
HK$89,701
+HK$4,492/mo
Deposit HK$10.62M · loan HK$15.93M · min. income ≈ HK$170,418/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,779
−HK$5,316/mo
▼ 0.25% · 3.875%
HK$87,416
−HK$2,679/mo
Today · 4.125%
HK$90,095
baseline
▲ 0.50% · 4.625%
HK$95,577
+HK$5,482/mo
Deposit HK$7.97M · loan HK$18.59M · min. income ≈ HK$180,190/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,128,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,315
−HK$5,096/mo
▼ 0.25% · 3.875%
HK$96,845
−HK$2,566/mo
Today · 4.125%
HK$99,411
baseline
▲ 0.50% · 4.625%
HK$104,651
+HK$5,240/mo
Deposit HK$7.97M · loan HK$18.59M · min. income ≈ HK$198,822/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,128,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,001
−HK$6,836/mo
▼ 0.25% · 3.875%
HK$112,392
−HK$3,445/mo
Today · 4.125%
HK$115,837
baseline
▲ 0.50% · 4.625%
HK$122,885
+HK$7,048/mo
Deposit HK$2.66M · loan HK$23.90M · min. income ≈ HK$231,674/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,128,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,263
−HK$6,551/mo
▼ 0.25% · 3.875%
HK$124,515
−HK$3,299/mo
Today · 4.125%
HK$127,814
baseline
▲ 0.50% · 4.625%
HK$134,551
+HK$6,737/mo
Deposit HK$2.66M · loan HK$23.90M · min. income ≈ HK$255,628/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,128,663 · Scale 2, in force from 26 Feb 2026)