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$60,335
−HK$3,784/mo
▼ 0.25% · 3.875%
HK$62,212
−HK$1,907/mo
Today · 4.125%
HK$64,119
baseline
▲ 0.50% · 4.625%
HK$68,020
+HK$3,901/mo
Deposit HK$13.23M · loan HK$13.23M · min. income ≈ HK$128,238/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,124,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,122
−HK$3,627/mo
▼ 0.25% · 3.875%
HK$68,922
−HK$1,827/mo
Today · 4.125%
HK$70,749
baseline
▲ 0.50% · 4.625%
HK$74,478
+HK$3,729/mo
Deposit HK$13.23M · loan HK$13.23M · min. income ≈ HK$141,498/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,124,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,402
−HK$4,540/mo
▼ 0.25% · 3.875%
HK$74,654
−HK$2,288/mo
Today · 4.125%
HK$76,942
baseline
▲ 0.50% · 4.625%
HK$81,624
+HK$4,682/mo
Deposit HK$10.58M · loan HK$15.88M · min. income ≈ HK$153,884/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,124,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,547
−HK$4,351/mo
▼ 0.25% · 3.875%
HK$82,707
−HK$2,191/mo
Today · 4.125%
HK$84,898
baseline
▲ 0.50% · 4.625%
HK$89,374
+HK$4,476/mo
Deposit HK$10.58M · loan HK$15.88M · min. income ≈ HK$169,796/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,124,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,469
−HK$5,297/mo
▼ 0.25% · 3.875%
HK$87,097
−HK$2,669/mo
Today · 4.125%
HK$89,766
baseline
▲ 0.50% · 4.625%
HK$95,228
+HK$5,462/mo
Deposit HK$7.94M · loan HK$18.52M · min. income ≈ HK$179,532/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,124,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,971
−HK$5,077/mo
▼ 0.25% · 3.875%
HK$96,491
−HK$2,557/mo
Today · 4.125%
HK$99,048
baseline
▲ 0.50% · 4.625%
HK$104,269
+HK$5,221/mo
Deposit HK$7.94M · loan HK$18.52M · min. income ≈ HK$198,096/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,124,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,603
−HK$6,811/mo
▼ 0.25% · 3.875%
HK$111,981
−HK$3,433/mo
Today · 4.125%
HK$115,414
baseline
▲ 0.50% · 4.625%
HK$122,436
+HK$7,022/mo
Deposit HK$2.65M · loan HK$23.81M · min. income ≈ HK$230,828/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,820
−HK$6,528/mo
▼ 0.25% · 3.875%
HK$124,060
−HK$3,288/mo
Today · 4.125%
HK$127,348
baseline
▲ 0.50% · 4.625%
HK$134,060
+HK$6,712/mo
Deposit HK$2.65M · loan HK$23.81M · min. income ≈ HK$254,696/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,543 · Scale 2, in force from 26 Feb 2026)