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$60,655
−HK$3,803/mo
▼ 0.25% · 3.875%
HK$62,542
−HK$1,916/mo
Today · 4.125%
HK$64,458
baseline
▲ 0.50% · 4.625%
HK$68,381
+HK$3,923/mo
Deposit HK$13.30M · loan HK$13.30M · min. income ≈ HK$128,916/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,130,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,478
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$69,288
−HK$1,835/mo
Today · 4.125%
HK$71,123
baseline
▲ 0.50% · 4.625%
HK$74,873
+HK$3,750/mo
Deposit HK$13.30M · loan HK$13.30M · min. income ≈ HK$142,246/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,130,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,786
−HK$4,564/mo
▼ 0.25% · 3.875%
HK$75,050
−HK$2,300/mo
Today · 4.125%
HK$77,350
baseline
▲ 0.50% · 4.625%
HK$82,057
+HK$4,707/mo
Deposit HK$10.64M · loan HK$15.96M · min. income ≈ HK$154,700/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,130,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,973
−HK$4,375/mo
▼ 0.25% · 3.875%
HK$83,145
−HK$2,203/mo
Today · 4.125%
HK$85,348
baseline
▲ 0.50% · 4.625%
HK$89,847
+HK$4,499/mo
Deposit HK$10.64M · loan HK$15.96M · min. income ≈ HK$170,696/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,130,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,917
−HK$5,325/mo
▼ 0.25% · 3.875%
HK$87,558
−HK$2,684/mo
Today · 4.125%
HK$90,242
baseline
▲ 0.50% · 4.625%
HK$95,733
+HK$5,491/mo
Deposit HK$7.98M · loan HK$18.62M · min. income ≈ HK$180,484/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,469
−HK$5,104/mo
▼ 0.25% · 3.875%
HK$97,003
−HK$2,570/mo
Today · 4.125%
HK$99,573
baseline
▲ 0.50% · 4.625%
HK$104,822
+HK$5,249/mo
Deposit HK$7.98M · loan HK$18.62M · min. income ≈ HK$199,146/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,179
−HK$6,846/mo
▼ 0.25% · 3.875%
HK$112,575
−HK$3,450/mo
Today · 4.125%
HK$116,025
baseline
▲ 0.50% · 4.625%
HK$123,085
+HK$7,060/mo
Deposit HK$2.66M · loan HK$23.94M · min. income ≈ HK$232,050/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,460
−HK$6,562/mo
▼ 0.25% · 3.875%
HK$124,718
−HK$3,304/mo
Today · 4.125%
HK$128,022
baseline
▲ 0.50% · 4.625%
HK$134,771
+HK$6,749/mo
Deposit HK$2.66M · loan HK$23.94M · min. income ≈ HK$256,044/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,500 · Scale 2, in force from 26 Feb 2026)