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$60,237
−HK$3,777/mo
▼ 0.25% · 3.875%
HK$62,110
−HK$1,904/mo
Today · 4.125%
HK$64,014
baseline
▲ 0.50% · 4.625%
HK$67,909
+HK$3,895/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$128,028/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,122,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,013
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$68,810
−HK$1,823/mo
Today · 4.125%
HK$70,633
baseline
▲ 0.50% · 4.625%
HK$74,356
+HK$3,723/mo
Deposit HK$13.21M · loan HK$13.21M · min. income ≈ HK$141,266/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,122,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,284
−HK$4,533/mo
▼ 0.25% · 3.875%
HK$74,532
−HK$2,285/mo
Today · 4.125%
HK$76,817
baseline
▲ 0.50% · 4.625%
HK$81,491
+HK$4,674/mo
Deposit HK$10.57M · loan HK$15.85M · min. income ≈ HK$153,634/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,122,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,415
−HK$4,345/mo
▼ 0.25% · 3.875%
HK$82,572
−HK$2,188/mo
Today · 4.125%
HK$84,760
baseline
▲ 0.50% · 4.625%
HK$89,227
+HK$4,467/mo
Deposit HK$10.57M · loan HK$15.85M · min. income ≈ HK$169,520/mo (50% DSR)
Upfront cash ≈ HK$11.69M (deposit + AVD stamp duty HK$1,122,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,331
−HK$5,289/mo
▼ 0.25% · 3.875%
HK$86,954
−HK$2,666/mo
Today · 4.125%
HK$89,620
baseline
▲ 0.50% · 4.625%
HK$95,073
+HK$5,453/mo
Deposit HK$7.92M · loan HK$18.49M · min. income ≈ HK$179,240/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,122,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,818
−HK$5,068/mo
▼ 0.25% · 3.875%
HK$96,334
−HK$2,552/mo
Today · 4.125%
HK$98,886
baseline
▲ 0.50% · 4.625%
HK$104,099
+HK$5,213/mo
Deposit HK$7.92M · loan HK$18.49M · min. income ≈ HK$197,772/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$1,122,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,426
−HK$6,799/mo
▼ 0.25% · 3.875%
HK$111,798
−HK$3,427/mo
Today · 4.125%
HK$115,225
baseline
▲ 0.50% · 4.625%
HK$122,236
+HK$7,011/mo
Deposit HK$2.64M · loan HK$23.77M · min. income ≈ HK$230,450/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,623
−HK$6,517/mo
▼ 0.25% · 3.875%
HK$123,858
−HK$3,282/mo
Today · 4.125%
HK$127,140
baseline
▲ 0.50% · 4.625%
HK$133,841
+HK$6,701/mo
Deposit HK$2.64M · loan HK$23.77M · min. income ≈ HK$254,280/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,705 · Scale 2, in force from 26 Feb 2026)