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$60,631
−HK$3,802/mo
▼ 0.25% · 3.875%
HK$62,517
−HK$1,916/mo
Today · 4.125%
HK$64,433
baseline
▲ 0.50% · 4.625%
HK$68,353
+HK$3,920/mo
Deposit HK$13.29M · loan HK$13.29M · min. income ≈ HK$128,866/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,130,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,451
−HK$3,644/mo
▼ 0.25% · 3.875%
HK$69,260
−HK$1,835/mo
Today · 4.125%
HK$71,095
baseline
▲ 0.50% · 4.625%
HK$74,843
+HK$3,748/mo
Deposit HK$13.29M · loan HK$13.29M · min. income ≈ HK$142,190/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,130,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,757
−HK$4,562/mo
▼ 0.25% · 3.875%
HK$75,020
−HK$2,299/mo
Today · 4.125%
HK$77,319
baseline
▲ 0.50% · 4.625%
HK$82,024
+HK$4,705/mo
Deposit HK$10.64M · loan HK$15.95M · min. income ≈ HK$154,638/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,130,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,941
−HK$4,373/mo
▼ 0.25% · 3.875%
HK$83,112
−HK$2,202/mo
Today · 4.125%
HK$85,314
baseline
▲ 0.50% · 4.625%
HK$89,811
+HK$4,497/mo
Deposit HK$10.64M · loan HK$15.95M · min. income ≈ HK$170,628/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,130,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,883
−HK$5,323/mo
▼ 0.25% · 3.875%
HK$87,523
−HK$2,683/mo
Today · 4.125%
HK$90,206
baseline
▲ 0.50% · 4.625%
HK$95,695
+HK$5,489/mo
Deposit HK$7.98M · loan HK$18.61M · min. income ≈ HK$180,412/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,431
−HK$5,102/mo
▼ 0.25% · 3.875%
HK$96,964
−HK$2,569/mo
Today · 4.125%
HK$99,533
baseline
▲ 0.50% · 4.625%
HK$104,780
+HK$5,247/mo
Deposit HK$7.98M · loan HK$18.61M · min. income ≈ HK$199,066/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,135
−HK$6,844/mo
▼ 0.25% · 3.875%
HK$112,530
−HK$3,449/mo
Today · 4.125%
HK$115,979
baseline
▲ 0.50% · 4.625%
HK$123,036
+HK$7,057/mo
Deposit HK$2.66M · loan HK$23.93M · min. income ≈ HK$231,958/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,412
−HK$6,559/mo
▼ 0.25% · 3.875%
HK$124,668
−HK$3,303/mo
Today · 4.125%
HK$127,971
baseline
▲ 0.50% · 4.625%
HK$134,717
+HK$6,746/mo
Deposit HK$2.66M · loan HK$23.93M · min. income ≈ HK$255,942/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,049 · Scale 2, in force from 26 Feb 2026)