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$60,291
−HK$3,781/mo
▼ 0.25% · 3.875%
HK$62,167
−HK$1,905/mo
Today · 4.125%
HK$64,072
baseline
▲ 0.50% · 4.625%
HK$67,971
+HK$3,899/mo
Deposit HK$13.22M · loan HK$13.22M · min. income ≈ HK$128,144/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,074
−HK$3,623/mo
▼ 0.25% · 3.875%
HK$68,873
−HK$1,824/mo
Today · 4.125%
HK$70,697
baseline
▲ 0.50% · 4.625%
HK$74,424
+HK$3,727/mo
Deposit HK$13.22M · loan HK$13.22M · min. income ≈ HK$141,394/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,123,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,350
−HK$4,537/mo
▼ 0.25% · 3.875%
HK$74,600
−HK$2,287/mo
Today · 4.125%
HK$76,887
baseline
▲ 0.50% · 4.625%
HK$81,565
+HK$4,678/mo
Deposit HK$10.58M · loan HK$15.86M · min. income ≈ HK$153,774/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,123,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,488
−HK$4,349/mo
▼ 0.25% · 3.875%
HK$82,647
−HK$2,190/mo
Today · 4.125%
HK$84,837
baseline
▲ 0.50% · 4.625%
HK$89,309
+HK$4,472/mo
Deposit HK$10.58M · loan HK$15.86M · min. income ≈ HK$169,674/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,123,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,408
−HK$5,293/mo
▼ 0.25% · 3.875%
HK$87,034
−HK$2,667/mo
Today · 4.125%
HK$89,701
baseline
▲ 0.50% · 4.625%
HK$95,159
+HK$5,458/mo
Deposit HK$7.93M · loan HK$18.51M · min. income ≈ HK$179,402/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,123,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,903
−HK$5,073/mo
▼ 0.25% · 3.875%
HK$96,422
−HK$2,554/mo
Today · 4.125%
HK$98,976
baseline
▲ 0.50% · 4.625%
HK$104,194
+HK$5,218/mo
Deposit HK$7.93M · loan HK$18.51M · min. income ≈ HK$197,952/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,123,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,525
−HK$6,805/mo
▼ 0.25% · 3.875%
HK$111,900
−HK$3,430/mo
Today · 4.125%
HK$115,330
baseline
▲ 0.50% · 4.625%
HK$122,348
+HK$7,018/mo
Deposit HK$2.64M · loan HK$23.80M · min. income ≈ HK$230,660/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,733
−HK$6,522/mo
▼ 0.25% · 3.875%
HK$123,971
−HK$3,284/mo
Today · 4.125%
HK$127,255
baseline
▲ 0.50% · 4.625%
HK$133,963
+HK$6,708/mo
Deposit HK$2.64M · loan HK$23.80M · min. income ≈ HK$254,510/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,728 · Scale 2, in force from 26 Feb 2026)