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$60,568
−HK$3,798/mo
▼ 0.25% · 3.875%
HK$62,452
−HK$1,914/mo
Today · 4.125%
HK$64,366
baseline
▲ 0.50% · 4.625%
HK$68,283
+HK$3,917/mo
Deposit HK$13.28M · loan HK$13.28M · min. income ≈ HK$128,732/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,128,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,381
−HK$3,641/mo
▼ 0.25% · 3.875%
HK$69,189
−HK$1,833/mo
Today · 4.125%
HK$71,022
baseline
▲ 0.50% · 4.625%
HK$74,766
+HK$3,744/mo
Deposit HK$13.28M · loan HK$13.28M · min. income ≈ HK$142,044/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,128,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,682
−HK$4,558/mo
▼ 0.25% · 3.875%
HK$74,943
−HK$2,297/mo
Today · 4.125%
HK$77,240
baseline
▲ 0.50% · 4.625%
HK$81,939
+HK$4,699/mo
Deposit HK$10.62M · loan HK$15.94M · min. income ≈ HK$154,480/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,858
−HK$4,368/mo
▼ 0.25% · 3.875%
HK$83,026
−HK$2,200/mo
Today · 4.125%
HK$85,226
baseline
▲ 0.50% · 4.625%
HK$89,719
+HK$4,493/mo
Deposit HK$10.62M · loan HK$15.94M · min. income ≈ HK$170,452/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,795
−HK$5,318/mo
▼ 0.25% · 3.875%
HK$87,433
−HK$2,680/mo
Today · 4.125%
HK$90,113
baseline
▲ 0.50% · 4.625%
HK$95,596
+HK$5,483/mo
Deposit HK$7.97M · loan HK$18.59M · min. income ≈ HK$180,226/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,128,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,334
−HK$5,097/mo
▼ 0.25% · 3.875%
HK$96,864
−HK$2,567/mo
Today · 4.125%
HK$99,431
baseline
▲ 0.50% · 4.625%
HK$104,672
+HK$5,241/mo
Deposit HK$7.97M · loan HK$18.59M · min. income ≈ HK$198,862/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,128,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,023
−HK$6,836/mo
▼ 0.25% · 3.875%
HK$112,414
−HK$3,445/mo
Today · 4.125%
HK$115,859
baseline
▲ 0.50% · 4.625%
HK$122,909
+HK$7,050/mo
Deposit HK$2.66M · loan HK$23.91M · min. income ≈ HK$231,718/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,128,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,287
−HK$6,552/mo
▼ 0.25% · 3.875%
HK$124,539
−HK$3,300/mo
Today · 4.125%
HK$127,839
baseline
▲ 0.50% · 4.625%
HK$134,578
+HK$6,739/mo
Deposit HK$2.66M · loan HK$23.91M · min. income ≈ HK$255,678/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,128,885 · Scale 2, in force from 26 Feb 2026)