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$60,357
−HK$3,785/mo
▼ 0.25% · 3.875%
HK$62,235
−HK$1,907/mo
Today · 4.125%
HK$64,142
baseline
▲ 0.50% · 4.625%
HK$68,045
+HK$3,903/mo
Deposit HK$13.23M · loan HK$13.23M · min. income ≈ HK$128,284/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,124,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,147
−HK$3,628/mo
▼ 0.25% · 3.875%
HK$68,948
−HK$1,827/mo
Today · 4.125%
HK$70,775
baseline
▲ 0.50% · 4.625%
HK$74,505
+HK$3,730/mo
Deposit HK$13.23M · loan HK$13.23M · min. income ≈ HK$141,550/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,124,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,429
−HK$4,542/mo
▼ 0.25% · 3.875%
HK$74,682
−HK$2,289/mo
Today · 4.125%
HK$76,971
baseline
▲ 0.50% · 4.625%
HK$81,654
+HK$4,683/mo
Deposit HK$10.59M · loan HK$15.88M · min. income ≈ HK$153,942/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,124,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,576
−HK$4,354/mo
▼ 0.25% · 3.875%
HK$82,737
−HK$2,193/mo
Today · 4.125%
HK$84,930
baseline
▲ 0.50% · 4.625%
HK$89,406
+HK$4,476/mo
Deposit HK$10.59M · loan HK$15.88M · min. income ≈ HK$169,860/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,124,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,500
−HK$5,299/mo
▼ 0.25% · 3.875%
HK$87,129
−HK$2,670/mo
Today · 4.125%
HK$89,799
baseline
▲ 0.50% · 4.625%
HK$95,263
+HK$5,464/mo
Deposit HK$7.94M · loan HK$18.53M · min. income ≈ HK$179,598/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,124,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,006
−HK$5,078/mo
▼ 0.25% · 3.875%
HK$96,527
−HK$2,557/mo
Today · 4.125%
HK$99,084
baseline
▲ 0.50% · 4.625%
HK$104,307
+HK$5,223/mo
Deposit HK$7.94M · loan HK$18.53M · min. income ≈ HK$198,168/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,124,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,643
−HK$6,813/mo
▼ 0.25% · 3.875%
HK$112,023
−HK$3,433/mo
Today · 4.125%
HK$115,456
baseline
▲ 0.50% · 4.625%
HK$122,481
+HK$7,025/mo
Deposit HK$2.65M · loan HK$23.82M · min. income ≈ HK$230,912/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,864
−HK$6,530/mo
▼ 0.25% · 3.875%
HK$124,106
−HK$3,288/mo
Today · 4.125%
HK$127,394
baseline
▲ 0.50% · 4.625%
HK$134,109
+HK$6,715/mo
Deposit HK$2.65M · loan HK$23.82M · min. income ≈ HK$254,788/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,955 · Scale 2, in force from 26 Feb 2026)