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$3,789/mo
▼ 0.25% · 3.875%
HK$62,289
−HK$1,909/mo
Today · 4.125%
HK$64,198
baseline
▲ 0.50% · 4.625%
HK$68,104
+HK$3,906/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$128,396/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,125,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,205
−HK$3,631/mo
▼ 0.25% · 3.875%
HK$69,007
−HK$1,829/mo
Today · 4.125%
HK$70,836
baseline
▲ 0.50% · 4.625%
HK$74,570
+HK$3,734/mo
Deposit HK$13.25M · loan HK$13.25M · min. income ≈ HK$141,672/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,125,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,491
−HK$4,546/mo
▼ 0.25% · 3.875%
HK$74,746
−HK$2,291/mo
Today · 4.125%
HK$77,037
baseline
▲ 0.50% · 4.625%
HK$81,725
+HK$4,688/mo
Deposit HK$10.60M · loan HK$15.90M · min. income ≈ HK$154,074/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,125,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,646
−HK$4,357/mo
▼ 0.25% · 3.875%
HK$82,809
−HK$2,194/mo
Today · 4.125%
HK$85,003
baseline
▲ 0.50% · 4.625%
HK$89,484
+HK$4,481/mo
Deposit HK$10.60M · loan HK$15.90M · min. income ≈ HK$170,006/mo (50% DSR)
Upfront cash ≈ HK$11.72M (deposit + AVD stamp duty HK$1,125,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,573
−HK$5,304/mo
▼ 0.25% · 3.875%
HK$87,204
−HK$2,673/mo
Today · 4.125%
HK$89,877
baseline
▲ 0.50% · 4.625%
HK$95,346
+HK$5,469/mo
Deposit HK$7.95M · loan HK$18.54M · min. income ≈ HK$179,754/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,087
−HK$5,083/mo
▼ 0.25% · 3.875%
HK$96,610
−HK$2,560/mo
Today · 4.125%
HK$99,170
baseline
▲ 0.50% · 4.625%
HK$104,398
+HK$5,228/mo
Deposit HK$7.95M · loan HK$18.54M · min. income ≈ HK$198,340/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,125,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,737
−HK$6,819/mo
▼ 0.25% · 3.875%
HK$112,119
−HK$3,437/mo
Today · 4.125%
HK$115,556
baseline
▲ 0.50% · 4.625%
HK$122,587
+HK$7,031/mo
Deposit HK$2.65M · loan HK$23.84M · min. income ≈ HK$231,112/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,125,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,969
−HK$6,536/mo
▼ 0.25% · 3.875%
HK$124,213
−HK$3,292/mo
Today · 4.125%
HK$127,505
baseline
▲ 0.50% · 4.625%
HK$134,225
+HK$6,720/mo
Deposit HK$2.65M · loan HK$23.84M · min. income ≈ HK$255,010/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,125,928 · Scale 2, in force from 26 Feb 2026)