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$60,518
−HK$3,795/mo
▼ 0.25% · 3.875%
HK$62,400
−HK$1,913/mo
Today · 4.125%
HK$64,313
baseline
▲ 0.50% · 4.625%
HK$68,226
+HK$3,913/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$128,626/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,127,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,325
−HK$3,638/mo
▼ 0.25% · 3.875%
HK$69,131
−HK$1,832/mo
Today · 4.125%
HK$70,963
baseline
▲ 0.50% · 4.625%
HK$74,703
+HK$3,740/mo
Deposit HK$13.27M · loan HK$13.27M · min. income ≈ HK$141,926/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,127,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,621
−HK$4,554/mo
▼ 0.25% · 3.875%
HK$74,880
−HK$2,295/mo
Today · 4.125%
HK$77,175
baseline
▲ 0.50% · 4.625%
HK$81,871
+HK$4,696/mo
Deposit HK$10.62M · loan HK$15.92M · min. income ≈ HK$154,350/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,790
−HK$4,365/mo
▼ 0.25% · 3.875%
HK$82,957
−HK$2,198/mo
Today · 4.125%
HK$85,155
baseline
▲ 0.50% · 4.625%
HK$89,644
+HK$4,489/mo
Deposit HK$10.62M · loan HK$15.92M · min. income ≈ HK$170,310/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,725
−HK$5,313/mo
▼ 0.25% · 3.875%
HK$87,360
−HK$2,678/mo
Today · 4.125%
HK$90,038
baseline
▲ 0.50% · 4.625%
HK$95,516
+HK$5,478/mo
Deposit HK$7.96M · loan HK$18.58M · min. income ≈ HK$180,076/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,127,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,255
−HK$5,093/mo
▼ 0.25% · 3.875%
HK$96,783
−HK$2,565/mo
Today · 4.125%
HK$99,348
baseline
▲ 0.50% · 4.625%
HK$104,585
+HK$5,237/mo
Deposit HK$7.96M · loan HK$18.58M · min. income ≈ HK$198,696/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,127,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,932
−HK$6,831/mo
▼ 0.25% · 3.875%
HK$112,320
−HK$3,443/mo
Today · 4.125%
HK$115,763
baseline
▲ 0.50% · 4.625%
HK$122,807
+HK$7,044/mo
Deposit HK$2.65M · loan HK$23.89M · min. income ≈ HK$231,526/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,186
−HK$6,547/mo
▼ 0.25% · 3.875%
HK$124,436
−HK$3,297/mo
Today · 4.125%
HK$127,733
baseline
▲ 0.50% · 4.625%
HK$134,466
+HK$6,733/mo
Deposit HK$2.65M · loan HK$23.89M · min. income ≈ HK$255,466/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,945 · Scale 2, in force from 26 Feb 2026)