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$61,379
−HK$3,849/mo
▼ 0.25% · 3.875%
HK$63,288
−HK$1,940/mo
Today · 4.125%
HK$65,228
baseline
▲ 0.50% · 4.625%
HK$69,197
+HK$3,969/mo
Deposit HK$13.46M · loan HK$13.46M · min. income ≈ HK$130,456/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,143,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,284
−HK$3,689/mo
▼ 0.25% · 3.875%
HK$70,115
−HK$1,858/mo
Today · 4.125%
HK$71,973
baseline
▲ 0.50% · 4.625%
HK$75,766
+HK$3,793/mo
Deposit HK$13.46M · loan HK$13.46M · min. income ≈ HK$143,946/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,143,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,655
−HK$4,619/mo
▼ 0.25% · 3.875%
HK$75,946
−HK$2,328/mo
Today · 4.125%
HK$78,274
baseline
▲ 0.50% · 4.625%
HK$83,036
+HK$4,762/mo
Deposit HK$10.77M · loan HK$16.15M · min. income ≈ HK$156,548/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,143,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,940
−HK$4,427/mo
▼ 0.25% · 3.875%
HK$84,138
−HK$2,229/mo
Today · 4.125%
HK$86,367
baseline
▲ 0.50% · 4.625%
HK$90,920
+HK$4,553/mo
Deposit HK$10.77M · loan HK$16.15M · min. income ≈ HK$172,734/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,143,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,931
−HK$5,388/mo
▼ 0.25% · 3.875%
HK$88,604
−HK$2,715/mo
Today · 4.125%
HK$91,319
baseline
▲ 0.50% · 4.625%
HK$96,876
+HK$5,557/mo
Deposit HK$8.08M · loan HK$18.84M · min. income ≈ HK$182,638/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,143,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,597
−HK$5,165/mo
▼ 0.25% · 3.875%
HK$98,161
−HK$2,601/mo
Today · 4.125%
HK$100,762
baseline
▲ 0.50% · 4.625%
HK$106,073
+HK$5,311/mo
Deposit HK$8.08M · loan HK$18.84M · min. income ≈ HK$201,524/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,143,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,482
−HK$6,928/mo
▼ 0.25% · 3.875%
HK$113,919
−HK$3,491/mo
Today · 4.125%
HK$117,410
baseline
▲ 0.50% · 4.625%
HK$124,555
+HK$7,145/mo
Deposit HK$2.69M · loan HK$24.23M · min. income ≈ HK$234,820/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,143,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,910
−HK$6,641/mo
▼ 0.25% · 3.875%
HK$126,207
−HK$3,344/mo
Today · 4.125%
HK$129,551
baseline
▲ 0.50% · 4.625%
HK$136,380
+HK$6,829/mo
Deposit HK$2.69M · loan HK$24.23M · min. income ≈ HK$259,102/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,143,998 · Scale 2, in force from 26 Feb 2026)