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$60,403
−HK$3,787/mo
▼ 0.25% · 3.875%
HK$62,282
−HK$1,908/mo
Today · 4.125%
HK$64,190
baseline
▲ 0.50% · 4.625%
HK$68,096
+HK$3,906/mo
Deposit HK$13.24M · loan HK$13.24M · min. income ≈ HK$128,380/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,125,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,197
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$69,000
−HK$1,828/mo
Today · 4.125%
HK$70,828
baseline
▲ 0.50% · 4.625%
HK$74,561
+HK$3,733/mo
Deposit HK$13.24M · loan HK$13.24M · min. income ≈ HK$141,656/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,125,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,483
−HK$4,546/mo
▼ 0.25% · 3.875%
HK$74,738
−HK$2,291/mo
Today · 4.125%
HK$77,029
baseline
▲ 0.50% · 4.625%
HK$81,716
+HK$4,687/mo
Deposit HK$10.60M · loan HK$15.89M · min. income ≈ HK$154,058/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,125,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,637
−HK$4,356/mo
▼ 0.25% · 3.875%
HK$82,799
−HK$2,194/mo
Today · 4.125%
HK$84,993
baseline
▲ 0.50% · 4.625%
HK$89,473
+HK$4,480/mo
Deposit HK$10.60M · loan HK$15.89M · min. income ≈ HK$169,986/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,125,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,564
−HK$5,303/mo
▼ 0.25% · 3.875%
HK$87,194
−HK$2,673/mo
Today · 4.125%
HK$89,867
baseline
▲ 0.50% · 4.625%
HK$95,335
+HK$5,468/mo
Deposit HK$7.95M · loan HK$18.54M · min. income ≈ HK$179,734/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,076
−HK$5,083/mo
▼ 0.25% · 3.875%
HK$96,599
−HK$2,560/mo
Today · 4.125%
HK$99,159
baseline
▲ 0.50% · 4.625%
HK$104,386
+HK$5,227/mo
Deposit HK$7.95M · loan HK$18.54M · min. income ≈ HK$198,318/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,725
−HK$6,818/mo
▼ 0.25% · 3.875%
HK$112,107
−HK$3,436/mo
Today · 4.125%
HK$115,543
baseline
▲ 0.50% · 4.625%
HK$122,573
+HK$7,030/mo
Deposit HK$2.65M · loan HK$23.84M · min. income ≈ HK$231,086/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,125,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,955
−HK$6,535/mo
▼ 0.25% · 3.875%
HK$124,199
−HK$3,291/mo
Today · 4.125%
HK$127,490
baseline
▲ 0.50% · 4.625%
HK$134,210
+HK$6,720/mo
Deposit HK$2.65M · loan HK$23.84M · min. income ≈ HK$254,980/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,125,801 · Scale 2, in force from 26 Feb 2026)