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$60,381
−HK$3,786/mo
▼ 0.25% · 3.875%
HK$62,259
−HK$1,908/mo
Today · 4.125%
HK$64,167
baseline
▲ 0.50% · 4.625%
HK$68,072
+HK$3,905/mo
Deposit HK$13.24M · loan HK$13.24M · min. income ≈ HK$128,334/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,125,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,173
−HK$3,629/mo
▼ 0.25% · 3.875%
HK$68,975
−HK$1,827/mo
Today · 4.125%
HK$70,802
baseline
▲ 0.50% · 4.625%
HK$74,534
+HK$3,732/mo
Deposit HK$13.24M · loan HK$13.24M · min. income ≈ HK$141,604/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,125,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,457
−HK$4,544/mo
▼ 0.25% · 3.875%
HK$74,711
−HK$2,290/mo
Today · 4.125%
HK$77,001
baseline
▲ 0.50% · 4.625%
HK$81,686
+HK$4,685/mo
Deposit HK$10.59M · loan HK$15.89M · min. income ≈ HK$154,002/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,125,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,608
−HK$4,355/mo
▼ 0.25% · 3.875%
HK$82,769
−HK$2,194/mo
Today · 4.125%
HK$84,963
baseline
▲ 0.50% · 4.625%
HK$89,441
+HK$4,478/mo
Deposit HK$10.59M · loan HK$15.89M · min. income ≈ HK$169,926/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,125,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,533
−HK$5,301/mo
▼ 0.25% · 3.875%
HK$87,163
−HK$2,671/mo
Today · 4.125%
HK$89,834
baseline
▲ 0.50% · 4.625%
HK$95,300
+HK$5,466/mo
Deposit HK$7.94M · loan HK$18.54M · min. income ≈ HK$179,668/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,042
−HK$5,081/mo
▼ 0.25% · 3.875%
HK$96,564
−HK$2,559/mo
Today · 4.125%
HK$99,123
baseline
▲ 0.50% · 4.625%
HK$104,348
+HK$5,225/mo
Deposit HK$7.94M · loan HK$18.54M · min. income ≈ HK$198,246/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,685
−HK$6,816/mo
▼ 0.25% · 3.875%
HK$112,066
−HK$3,435/mo
Today · 4.125%
HK$115,501
baseline
▲ 0.50% · 4.625%
HK$122,529
+HK$7,028/mo
Deposit HK$2.65M · loan HK$23.83M · min. income ≈ HK$231,002/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,125,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,911
−HK$6,533/mo
▼ 0.25% · 3.875%
HK$124,154
−HK$3,290/mo
Today · 4.125%
HK$127,444
baseline
▲ 0.50% · 4.625%
HK$134,162
+HK$6,718/mo
Deposit HK$2.65M · loan HK$23.83M · min. income ≈ HK$254,888/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,125,393 · Scale 2, in force from 26 Feb 2026)