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$60,625
−HK$3,802/mo
▼ 0.25% · 3.875%
HK$62,511
−HK$1,916/mo
Today · 4.125%
HK$64,427
baseline
▲ 0.50% · 4.625%
HK$68,347
+HK$3,920/mo
Deposit HK$13.29M · loan HK$13.29M · min. income ≈ HK$128,854/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,129,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,445
−HK$3,644/mo
▼ 0.25% · 3.875%
HK$69,254
−HK$1,835/mo
Today · 4.125%
HK$71,089
baseline
▲ 0.50% · 4.625%
HK$74,836
+HK$3,747/mo
Deposit HK$13.29M · loan HK$13.29M · min. income ≈ HK$142,178/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,129,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,750
−HK$4,562/mo
▼ 0.25% · 3.875%
HK$75,013
−HK$2,299/mo
Today · 4.125%
HK$77,312
baseline
▲ 0.50% · 4.625%
HK$82,017
+HK$4,705/mo
Deposit HK$10.63M · loan HK$15.95M · min. income ≈ HK$154,624/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,129,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,934
−HK$4,372/mo
▼ 0.25% · 3.875%
HK$83,104
−HK$2,202/mo
Today · 4.125%
HK$85,306
baseline
▲ 0.50% · 4.625%
HK$89,803
+HK$4,497/mo
Deposit HK$10.63M · loan HK$15.95M · min. income ≈ HK$170,612/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,129,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,875
−HK$5,323/mo
▼ 0.25% · 3.875%
HK$87,515
−HK$2,683/mo
Today · 4.125%
HK$90,198
baseline
▲ 0.50% · 4.625%
HK$95,686
+HK$5,488/mo
Deposit HK$7.98M · loan HK$18.61M · min. income ≈ HK$180,396/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,129,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,423
−HK$5,101/mo
▼ 0.25% · 3.875%
HK$96,955
−HK$2,569/mo
Today · 4.125%
HK$99,524
baseline
▲ 0.50% · 4.625%
HK$104,770
+HK$5,246/mo
Deposit HK$7.98M · loan HK$18.61M · min. income ≈ HK$199,048/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,129,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,125
−HK$6,843/mo
▼ 0.25% · 3.875%
HK$112,520
−HK$3,448/mo
Today · 4.125%
HK$115,968
baseline
▲ 0.50% · 4.625%
HK$123,025
+HK$7,057/mo
Deposit HK$2.66M · loan HK$23.93M · min. income ≈ HK$231,936/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,129,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,401
−HK$6,559/mo
▼ 0.25% · 3.875%
HK$124,657
−HK$3,303/mo
Today · 4.125%
HK$127,960
baseline
▲ 0.50% · 4.625%
HK$134,705
+HK$6,745/mo
Deposit HK$2.66M · loan HK$23.93M · min. income ≈ HK$255,920/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,129,948 · Scale 2, in force from 26 Feb 2026)