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$60,348
−HK$3,785/mo
▼ 0.25% · 3.875%
HK$62,226
−HK$1,907/mo
Today · 4.125%
HK$64,133
baseline
▲ 0.50% · 4.625%
HK$68,035
+HK$3,902/mo
Deposit HK$13.23M · loan HK$13.23M · min. income ≈ HK$128,266/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,124,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,137
−HK$3,627/mo
▼ 0.25% · 3.875%
HK$68,938
−HK$1,826/mo
Today · 4.125%
HK$70,764
baseline
▲ 0.50% · 4.625%
HK$74,494
+HK$3,730/mo
Deposit HK$13.23M · loan HK$13.23M · min. income ≈ HK$141,528/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,124,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,418
−HK$4,541/mo
▼ 0.25% · 3.875%
HK$74,671
−HK$2,288/mo
Today · 4.125%
HK$76,959
baseline
▲ 0.50% · 4.625%
HK$81,642
+HK$4,683/mo
Deposit HK$10.59M · loan HK$15.88M · min. income ≈ HK$153,918/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,124,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,564
−HK$4,353/mo
▼ 0.25% · 3.875%
HK$82,725
−HK$2,192/mo
Today · 4.125%
HK$84,917
baseline
▲ 0.50% · 4.625%
HK$89,393
+HK$4,476/mo
Deposit HK$10.59M · loan HK$15.88M · min. income ≈ HK$169,834/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,124,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,488
−HK$5,298/mo
▼ 0.25% · 3.875%
HK$87,116
−HK$2,670/mo
Today · 4.125%
HK$89,786
baseline
▲ 0.50% · 4.625%
HK$95,249
+HK$5,463/mo
Deposit HK$7.94M · loan HK$18.53M · min. income ≈ HK$179,572/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,124,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,992
−HK$5,078/mo
▼ 0.25% · 3.875%
HK$96,513
−HK$2,557/mo
Today · 4.125%
HK$99,070
baseline
▲ 0.50% · 4.625%
HK$104,292
+HK$5,222/mo
Deposit HK$7.94M · loan HK$18.53M · min. income ≈ HK$198,140/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,124,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,627
−HK$6,812/mo
▼ 0.25% · 3.875%
HK$112,006
−HK$3,433/mo
Today · 4.125%
HK$115,439
baseline
▲ 0.50% · 4.625%
HK$122,463
+HK$7,024/mo
Deposit HK$2.65M · loan HK$23.82M · min. income ≈ HK$230,878/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,847
−HK$6,529/mo
▼ 0.25% · 3.875%
HK$124,088
−HK$3,288/mo
Today · 4.125%
HK$127,376
baseline
▲ 0.50% · 4.625%
HK$134,090
+HK$6,714/mo
Deposit HK$2.65M · loan HK$23.82M · min. income ≈ HK$254,752/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,789 · Scale 2, in force from 26 Feb 2026)