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$60,555
−HK$3,797/mo
▼ 0.25% · 3.875%
HK$62,438
−HK$1,914/mo
Today · 4.125%
HK$64,352
baseline
▲ 0.50% · 4.625%
HK$68,268
+HK$3,916/mo
Deposit HK$13.28M · loan HK$13.28M · min. income ≈ HK$128,704/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,128,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,367
−HK$3,639/mo
▼ 0.25% · 3.875%
HK$69,173
−HK$1,833/mo
Today · 4.125%
HK$71,006
baseline
▲ 0.50% · 4.625%
HK$74,749
+HK$3,743/mo
Deposit HK$13.28M · loan HK$13.28M · min. income ≈ HK$142,012/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,128,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,666
−HK$4,556/mo
▼ 0.25% · 3.875%
HK$74,926
−HK$2,296/mo
Today · 4.125%
HK$77,222
baseline
▲ 0.50% · 4.625%
HK$81,921
+HK$4,699/mo
Deposit HK$10.62M · loan HK$15.93M · min. income ≈ HK$154,444/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,840
−HK$4,367/mo
▼ 0.25% · 3.875%
HK$83,008
−HK$2,199/mo
Today · 4.125%
HK$85,207
baseline
▲ 0.50% · 4.625%
HK$89,699
+HK$4,492/mo
Deposit HK$10.62M · loan HK$15.93M · min. income ≈ HK$170,414/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,777
−HK$5,316/mo
▼ 0.25% · 3.875%
HK$87,414
−HK$2,679/mo
Today · 4.125%
HK$90,093
baseline
▲ 0.50% · 4.625%
HK$95,575
+HK$5,482/mo
Deposit HK$7.97M · loan HK$18.59M · min. income ≈ HK$180,186/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,128,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,313
−HK$5,096/mo
▼ 0.25% · 3.875%
HK$96,843
−HK$2,566/mo
Today · 4.125%
HK$99,409
baseline
▲ 0.50% · 4.625%
HK$104,649
+HK$5,240/mo
Deposit HK$7.97M · loan HK$18.59M · min. income ≈ HK$198,818/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,128,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,998
−HK$6,836/mo
▼ 0.25% · 3.875%
HK$112,389
−HK$3,445/mo
Today · 4.125%
HK$115,834
baseline
▲ 0.50% · 4.625%
HK$122,882
+HK$7,048/mo
Deposit HK$2.66M · loan HK$23.90M · min. income ≈ HK$231,668/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,128,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,260
−HK$6,551/mo
▼ 0.25% · 3.875%
HK$124,512
−HK$3,299/mo
Today · 4.125%
HK$127,811
baseline
▲ 0.50% · 4.625%
HK$134,548
+HK$6,737/mo
Deposit HK$2.66M · loan HK$23.90M · min. income ≈ HK$255,622/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,128,635 · Scale 2, in force from 26 Feb 2026)