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$60,345
−HK$3,784/mo
▼ 0.25% · 3.875%
HK$62,222
−HK$1,907/mo
Today · 4.125%
HK$64,129
baseline
▲ 0.50% · 4.625%
HK$68,031
+HK$3,902/mo
Deposit HK$13.23M · loan HK$13.23M · min. income ≈ HK$128,258/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,124,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,133
−HK$3,627/mo
▼ 0.25% · 3.875%
HK$68,933
−HK$1,827/mo
Today · 4.125%
HK$70,760
baseline
▲ 0.50% · 4.625%
HK$74,490
+HK$3,730/mo
Deposit HK$13.23M · loan HK$13.23M · min. income ≈ HK$141,520/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,124,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,414
−HK$4,540/mo
▼ 0.25% · 3.875%
HK$74,666
−HK$2,288/mo
Today · 4.125%
HK$76,954
baseline
▲ 0.50% · 4.625%
HK$81,637
+HK$4,683/mo
Deposit HK$10.59M · loan HK$15.88M · min. income ≈ HK$153,908/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,124,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,559
−HK$4,353/mo
▼ 0.25% · 3.875%
HK$82,720
−HK$2,192/mo
Today · 4.125%
HK$84,912
baseline
▲ 0.50% · 4.625%
HK$89,387
+HK$4,475/mo
Deposit HK$10.59M · loan HK$15.88M · min. income ≈ HK$169,824/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,124,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,482
−HK$5,298/mo
▼ 0.25% · 3.875%
HK$87,110
−HK$2,670/mo
Today · 4.125%
HK$89,780
baseline
▲ 0.50% · 4.625%
HK$95,243
+HK$5,463/mo
Deposit HK$7.94M · loan HK$18.52M · min. income ≈ HK$179,560/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,124,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,986
−HK$5,078/mo
▼ 0.25% · 3.875%
HK$96,507
−HK$2,557/mo
Today · 4.125%
HK$99,064
baseline
▲ 0.50% · 4.625%
HK$104,285
+HK$5,221/mo
Deposit HK$7.94M · loan HK$18.52M · min. income ≈ HK$198,128/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,124,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,620
−HK$6,812/mo
▼ 0.25% · 3.875%
HK$111,999
−HK$3,433/mo
Today · 4.125%
HK$115,432
baseline
▲ 0.50% · 4.625%
HK$122,455
+HK$7,023/mo
Deposit HK$2.65M · loan HK$23.82M · min. income ≈ HK$230,864/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,839
−HK$6,529/mo
▼ 0.25% · 3.875%
HK$124,080
−HK$3,288/mo
Today · 4.125%
HK$127,368
baseline
▲ 0.50% · 4.625%
HK$134,081
+HK$6,713/mo
Deposit HK$2.65M · loan HK$23.82M · min. income ≈ HK$254,736/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,719 · Scale 2, in force from 26 Feb 2026)