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$60,285
−HK$3,781/mo
▼ 0.25% · 3.875%
HK$62,160
−HK$1,906/mo
Today · 4.125%
HK$64,066
baseline
▲ 0.50% · 4.625%
HK$67,964
+HK$3,898/mo
Deposit HK$13.22M · loan HK$13.22M · min. income ≈ HK$128,132/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,067
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$68,865
−HK$1,825/mo
Today · 4.125%
HK$70,690
baseline
▲ 0.50% · 4.625%
HK$74,416
+HK$3,726/mo
Deposit HK$13.22M · loan HK$13.22M · min. income ≈ HK$141,380/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,342
−HK$4,537/mo
▼ 0.25% · 3.875%
HK$74,592
−HK$2,287/mo
Today · 4.125%
HK$76,879
baseline
▲ 0.50% · 4.625%
HK$81,557
+HK$4,678/mo
Deposit HK$10.58M · loan HK$15.86M · min. income ≈ HK$153,758/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,123,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,480
−HK$4,348/mo
▼ 0.25% · 3.875%
HK$82,638
−HK$2,190/mo
Today · 4.125%
HK$84,828
baseline
▲ 0.50% · 4.625%
HK$89,299
+HK$4,471/mo
Deposit HK$10.58M · loan HK$15.86M · min. income ≈ HK$169,656/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,123,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,399
−HK$5,293/mo
▼ 0.25% · 3.875%
HK$87,024
−HK$2,668/mo
Today · 4.125%
HK$89,692
baseline
▲ 0.50% · 4.625%
HK$95,149
+HK$5,457/mo
Deposit HK$7.93M · loan HK$18.51M · min. income ≈ HK$179,384/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,123,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,893
−HK$5,073/mo
▼ 0.25% · 3.875%
HK$96,411
−HK$2,555/mo
Today · 4.125%
HK$98,966
baseline
▲ 0.50% · 4.625%
HK$104,183
+HK$5,217/mo
Deposit HK$7.93M · loan HK$18.51M · min. income ≈ HK$197,932/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,123,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,513
−HK$6,805/mo
▼ 0.25% · 3.875%
HK$111,889
−HK$3,429/mo
Today · 4.125%
HK$115,318
baseline
▲ 0.50% · 4.625%
HK$122,335
+HK$7,017/mo
Deposit HK$2.64M · loan HK$23.79M · min. income ≈ HK$230,636/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,720
−HK$6,522/mo
▼ 0.25% · 3.875%
HK$123,958
−HK$3,284/mo
Today · 4.125%
HK$127,242
baseline
▲ 0.50% · 4.625%
HK$133,949
+HK$6,707/mo
Deposit HK$2.64M · loan HK$23.79M · min. income ≈ HK$254,484/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,610 · Scale 2, in force from 26 Feb 2026)