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$60,531
−HK$3,796/mo
▼ 0.25% · 3.875%
HK$62,414
−HK$1,913/mo
Today · 4.125%
HK$64,327
baseline
▲ 0.50% · 4.625%
HK$68,241
+HK$3,914/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$128,654/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,128,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,341
−HK$3,638/mo
▼ 0.25% · 3.875%
HK$69,147
−HK$1,832/mo
Today · 4.125%
HK$70,979
baseline
▲ 0.50% · 4.625%
HK$74,720
+HK$3,741/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$141,958/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,128,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,638
−HK$4,555/mo
▼ 0.25% · 3.875%
HK$74,897
−HK$2,296/mo
Today · 4.125%
HK$77,193
baseline
▲ 0.50% · 4.625%
HK$81,890
+HK$4,697/mo
Deposit HK$10.62M · loan HK$15.93M · min. income ≈ HK$154,386/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,809
−HK$4,366/mo
▼ 0.25% · 3.875%
HK$82,976
−HK$2,199/mo
Today · 4.125%
HK$85,175
baseline
▲ 0.50% · 4.625%
HK$89,664
+HK$4,489/mo
Deposit HK$10.62M · loan HK$15.93M · min. income ≈ HK$170,350/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,744
−HK$5,314/mo
▼ 0.25% · 3.875%
HK$87,380
−HK$2,678/mo
Today · 4.125%
HK$90,058
baseline
▲ 0.50% · 4.625%
HK$95,538
+HK$5,480/mo
Deposit HK$7.96M · loan HK$18.58M · min. income ≈ HK$180,116/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,128,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,277
−HK$5,093/mo
▼ 0.25% · 3.875%
HK$96,805
−HK$2,565/mo
Today · 4.125%
HK$99,370
baseline
▲ 0.50% · 4.625%
HK$104,608
+HK$5,238/mo
Deposit HK$7.96M · loan HK$18.58M · min. income ≈ HK$198,740/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,128,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,957
−HK$6,832/mo
▼ 0.25% · 3.875%
HK$112,346
−HK$3,443/mo
Today · 4.125%
HK$115,789
baseline
▲ 0.50% · 4.625%
HK$122,835
+HK$7,046/mo
Deposit HK$2.65M · loan HK$23.89M · min. income ≈ HK$231,578/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,128,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,213
−HK$6,549/mo
▼ 0.25% · 3.875%
HK$124,464
−HK$3,298/mo
Today · 4.125%
HK$127,762
baseline
▲ 0.50% · 4.625%
HK$134,496
+HK$6,734/mo
Deposit HK$2.65M · loan HK$23.89M · min. income ≈ HK$255,524/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,128,200 · Scale 2, in force from 26 Feb 2026)