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$60,554
−HK$3,797/mo
▼ 0.25% · 3.875%
HK$62,438
−HK$1,913/mo
Today · 4.125%
HK$64,351
baseline
▲ 0.50% · 4.625%
HK$68,267
+HK$3,916/mo
Deposit HK$13.28M · loan HK$13.28M · min. income ≈ HK$128,702/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,128,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,366
−HK$3,639/mo
▼ 0.25% · 3.875%
HK$69,172
−HK$1,833/mo
Today · 4.125%
HK$71,005
baseline
▲ 0.50% · 4.625%
HK$74,748
+HK$3,743/mo
Deposit HK$13.28M · loan HK$13.28M · min. income ≈ HK$142,010/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,128,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,665
−HK$4,556/mo
▼ 0.25% · 3.875%
HK$74,925
−HK$2,296/mo
Today · 4.125%
HK$77,221
baseline
▲ 0.50% · 4.625%
HK$81,920
+HK$4,699/mo
Deposit HK$10.62M · loan HK$15.93M · min. income ≈ HK$154,442/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,839
−HK$4,367/mo
▼ 0.25% · 3.875%
HK$83,007
−HK$2,199/mo
Today · 4.125%
HK$85,206
baseline
▲ 0.50% · 4.625%
HK$89,698
+HK$4,492/mo
Deposit HK$10.62M · loan HK$15.93M · min. income ≈ HK$170,412/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,776
−HK$5,316/mo
▼ 0.25% · 3.875%
HK$87,413
−HK$2,679/mo
Today · 4.125%
HK$90,092
baseline
▲ 0.50% · 4.625%
HK$95,574
+HK$5,482/mo
Deposit HK$7.97M · loan HK$18.59M · min. income ≈ HK$180,184/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,128,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,312
−HK$5,095/mo
▼ 0.25% · 3.875%
HK$96,841
−HK$2,566/mo
Today · 4.125%
HK$99,407
baseline
▲ 0.50% · 4.625%
HK$104,647
+HK$5,240/mo
Deposit HK$7.97M · loan HK$18.59M · min. income ≈ HK$198,814/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,128,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,997
−HK$6,835/mo
▼ 0.25% · 3.875%
HK$112,388
−HK$3,444/mo
Today · 4.125%
HK$115,832
baseline
▲ 0.50% · 4.625%
HK$122,880
+HK$7,048/mo
Deposit HK$2.66M · loan HK$23.90M · min. income ≈ HK$231,664/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,128,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,258
−HK$6,551/mo
▼ 0.25% · 3.875%
HK$124,510
−HK$3,299/mo
Today · 4.125%
HK$127,809
baseline
▲ 0.50% · 4.625%
HK$134,546
+HK$6,737/mo
Deposit HK$2.66M · loan HK$23.90M · min. income ≈ HK$255,618/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,128,620 · Scale 2, in force from 26 Feb 2026)