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$60,253
−HK$3,779/mo
▼ 0.25% · 3.875%
HK$62,128
−HK$1,904/mo
Today · 4.125%
HK$64,032
baseline
▲ 0.50% · 4.625%
HK$67,928
+HK$3,896/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$128,064/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,123,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,031
−HK$3,622/mo
▼ 0.25% · 3.875%
HK$68,829
−HK$1,824/mo
Today · 4.125%
HK$70,653
baseline
▲ 0.50% · 4.625%
HK$74,377
+HK$3,724/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$141,306/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,123,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,304
−HK$4,534/mo
▼ 0.25% · 3.875%
HK$74,553
−HK$2,285/mo
Today · 4.125%
HK$76,838
baseline
▲ 0.50% · 4.625%
HK$81,514
+HK$4,676/mo
Deposit HK$10.57M · loan HK$15.85M · min. income ≈ HK$153,676/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,123,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,437
−HK$4,346/mo
▼ 0.25% · 3.875%
HK$82,595
−HK$2,188/mo
Today · 4.125%
HK$84,783
baseline
▲ 0.50% · 4.625%
HK$89,252
+HK$4,469/mo
Deposit HK$10.57M · loan HK$15.85M · min. income ≈ HK$169,566/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,123,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,355
−HK$5,289/mo
▼ 0.25% · 3.875%
HK$86,979
−HK$2,665/mo
Today · 4.125%
HK$89,644
baseline
▲ 0.50% · 4.625%
HK$95,099
+HK$5,455/mo
Deposit HK$7.93M · loan HK$18.50M · min. income ≈ HK$179,288/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,123,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,844
−HK$5,070/mo
▼ 0.25% · 3.875%
HK$96,361
−HK$2,553/mo
Today · 4.125%
HK$98,914
baseline
▲ 0.50% · 4.625%
HK$104,128
+HK$5,214/mo
Deposit HK$7.93M · loan HK$18.50M · min. income ≈ HK$197,828/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,123,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,456
−HK$6,801/mo
▼ 0.25% · 3.875%
HK$111,830
−HK$3,427/mo
Today · 4.125%
HK$115,257
baseline
▲ 0.50% · 4.625%
HK$122,270
+HK$7,013/mo
Deposit HK$2.64M · loan HK$23.78M · min. income ≈ HK$230,514/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,656
−HK$6,519/mo
▼ 0.25% · 3.875%
HK$123,892
−HK$3,283/mo
Today · 4.125%
HK$127,175
baseline
▲ 0.50% · 4.625%
HK$133,878
+HK$6,703/mo
Deposit HK$2.64M · loan HK$23.78M · min. income ≈ HK$254,350/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,017 · Scale 2, in force from 26 Feb 2026)