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$60,409
−HK$3,788/mo
▼ 0.25% · 3.875%
HK$62,288
−HK$1,909/mo
Today · 4.125%
HK$64,197
baseline
▲ 0.50% · 4.625%
HK$68,103
+HK$3,906/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$128,394/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,125,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,204
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$69,006
−HK$1,829/mo
Today · 4.125%
HK$70,835
baseline
▲ 0.50% · 4.625%
HK$74,569
+HK$3,734/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$141,670/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,125,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,490
−HK$4,546/mo
▼ 0.25% · 3.875%
HK$74,745
−HK$2,291/mo
Today · 4.125%
HK$77,036
baseline
▲ 0.50% · 4.625%
HK$81,724
+HK$4,688/mo
Deposit HK$10.60M · loan HK$15.90M · min. income ≈ HK$154,072/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,125,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,645
−HK$4,357/mo
▼ 0.25% · 3.875%
HK$82,808
−HK$2,194/mo
Today · 4.125%
HK$85,002
baseline
▲ 0.50% · 4.625%
HK$89,482
+HK$4,480/mo
Deposit HK$10.60M · loan HK$15.90M · min. income ≈ HK$170,004/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,125,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,572
−HK$5,304/mo
▼ 0.25% · 3.875%
HK$87,203
−HK$2,673/mo
Today · 4.125%
HK$89,876
baseline
▲ 0.50% · 4.625%
HK$95,344
+HK$5,468/mo
Deposit HK$7.95M · loan HK$18.54M · min. income ≈ HK$179,752/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,086
−HK$5,083/mo
▼ 0.25% · 3.875%
HK$96,609
−HK$2,560/mo
Today · 4.125%
HK$99,169
baseline
▲ 0.50% · 4.625%
HK$104,396
+HK$5,227/mo
Deposit HK$7.95M · loan HK$18.54M · min. income ≈ HK$198,338/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,736
−HK$6,818/mo
▼ 0.25% · 3.875%
HK$112,118
−HK$3,436/mo
Today · 4.125%
HK$115,554
baseline
▲ 0.50% · 4.625%
HK$122,585
+HK$7,031/mo
Deposit HK$2.65M · loan HK$23.84M · min. income ≈ HK$231,108/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,125,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,967
−HK$6,536/mo
▼ 0.25% · 3.875%
HK$124,212
−HK$3,291/mo
Today · 4.125%
HK$127,503
baseline
▲ 0.50% · 4.625%
HK$134,224
+HK$6,721/mo
Deposit HK$2.65M · loan HK$23.84M · min. income ≈ HK$255,006/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,125,912 · Scale 2, in force from 26 Feb 2026)