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$60,545
−HK$3,796/mo
▼ 0.25% · 3.875%
HK$62,428
−HK$1,913/mo
Today · 4.125%
HK$64,341
baseline
▲ 0.50% · 4.625%
HK$68,256
+HK$3,915/mo
Deposit HK$13.28M · loan HK$13.28M · min. income ≈ HK$128,682/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,128,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,355
−HK$3,639/mo
▼ 0.25% · 3.875%
HK$69,162
−HK$1,832/mo
Today · 4.125%
HK$70,994
baseline
▲ 0.50% · 4.625%
HK$74,737
+HK$3,743/mo
Deposit HK$13.28M · loan HK$13.28M · min. income ≈ HK$141,988/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,128,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,654
−HK$4,556/mo
▼ 0.25% · 3.875%
HK$74,914
−HK$2,296/mo
Today · 4.125%
HK$77,210
baseline
▲ 0.50% · 4.625%
HK$81,908
+HK$4,698/mo
Deposit HK$10.62M · loan HK$15.93M · min. income ≈ HK$154,420/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,827
−HK$4,366/mo
▼ 0.25% · 3.875%
HK$82,994
−HK$2,199/mo
Today · 4.125%
HK$85,193
baseline
▲ 0.50% · 4.625%
HK$89,684
+HK$4,491/mo
Deposit HK$10.62M · loan HK$15.93M · min. income ≈ HK$170,386/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,763
−HK$5,315/mo
▼ 0.25% · 3.875%
HK$87,399
−HK$2,679/mo
Today · 4.125%
HK$90,078
baseline
▲ 0.50% · 4.625%
HK$95,559
+HK$5,481/mo
Deposit HK$7.97M · loan HK$18.59M · min. income ≈ HK$180,156/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,128,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,298
−HK$5,094/mo
▼ 0.25% · 3.875%
HK$96,827
−HK$2,565/mo
Today · 4.125%
HK$99,392
baseline
▲ 0.50% · 4.625%
HK$104,631
+HK$5,239/mo
Deposit HK$7.97M · loan HK$18.59M · min. income ≈ HK$198,784/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,128,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,981
−HK$6,834/mo
▼ 0.25% · 3.875%
HK$112,370
−HK$3,445/mo
Today · 4.125%
HK$115,815
baseline
▲ 0.50% · 4.625%
HK$122,862
+HK$7,047/mo
Deposit HK$2.66M · loan HK$23.90M · min. income ≈ HK$231,630/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,128,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,240
−HK$6,550/mo
▼ 0.25% · 3.875%
HK$124,491
−HK$3,299/mo
Today · 4.125%
HK$127,790
baseline
▲ 0.50% · 4.625%
HK$134,526
+HK$6,736/mo
Deposit HK$2.66M · loan HK$23.90M · min. income ≈ HK$255,580/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,128,449 · Scale 2, in force from 26 Feb 2026)