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$60,564
−HK$3,798/mo
▼ 0.25% · 3.875%
HK$62,448
−HK$1,914/mo
Today · 4.125%
HK$64,362
baseline
▲ 0.50% · 4.625%
HK$68,279
+HK$3,917/mo
Deposit HK$13.28M · loan HK$13.28M · min. income ≈ HK$128,724/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,128,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,377
−HK$3,640/mo
▼ 0.25% · 3.875%
HK$69,184
−HK$1,833/mo
Today · 4.125%
HK$71,017
baseline
▲ 0.50% · 4.625%
HK$74,761
+HK$3,744/mo
Deposit HK$13.28M · loan HK$13.28M · min. income ≈ HK$142,034/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,128,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,677
−HK$4,558/mo
▼ 0.25% · 3.875%
HK$74,938
−HK$2,297/mo
Today · 4.125%
HK$77,235
baseline
▲ 0.50% · 4.625%
HK$81,934
+HK$4,699/mo
Deposit HK$10.62M · loan HK$15.94M · min. income ≈ HK$154,470/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,853
−HK$4,368/mo
▼ 0.25% · 3.875%
HK$83,021
−HK$2,200/mo
Today · 4.125%
HK$85,221
baseline
▲ 0.50% · 4.625%
HK$89,713
+HK$4,492/mo
Deposit HK$10.62M · loan HK$15.94M · min. income ≈ HK$170,442/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,790
−HK$5,317/mo
▼ 0.25% · 3.875%
HK$87,428
−HK$2,679/mo
Today · 4.125%
HK$90,107
baseline
▲ 0.50% · 4.625%
HK$95,590
+HK$5,483/mo
Deposit HK$7.97M · loan HK$18.59M · min. income ≈ HK$180,214/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,128,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,328
−HK$5,096/mo
▼ 0.25% · 3.875%
HK$96,858
−HK$2,566/mo
Today · 4.125%
HK$99,424
baseline
▲ 0.50% · 4.625%
HK$104,665
+HK$5,241/mo
Deposit HK$7.97M · loan HK$18.59M · min. income ≈ HK$198,848/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,128,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,016
−HK$6,836/mo
▼ 0.25% · 3.875%
HK$112,407
−HK$3,445/mo
Today · 4.125%
HK$115,852
baseline
▲ 0.50% · 4.625%
HK$122,901
+HK$7,049/mo
Deposit HK$2.66M · loan HK$23.90M · min. income ≈ HK$231,704/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,128,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,279
−HK$6,552/mo
▼ 0.25% · 3.875%
HK$124,532
−HK$3,299/mo
Today · 4.125%
HK$127,831
baseline
▲ 0.50% · 4.625%
HK$134,569
+HK$6,738/mo
Deposit HK$2.66M · loan HK$23.90M · min. income ≈ HK$255,662/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,128,814 · Scale 2, in force from 26 Feb 2026)