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$60,596
−HK$3,800/mo
▼ 0.25% · 3.875%
HK$62,481
−HK$1,915/mo
Today · 4.125%
HK$64,396
baseline
▲ 0.50% · 4.625%
HK$68,314
+HK$3,918/mo
Deposit HK$13.29M · loan HK$13.29M · min. income ≈ HK$128,792/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,129,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,413
−HK$3,642/mo
▼ 0.25% · 3.875%
HK$69,221
−HK$1,834/mo
Today · 4.125%
HK$71,055
baseline
▲ 0.50% · 4.625%
HK$74,800
+HK$3,745/mo
Deposit HK$13.29M · loan HK$13.29M · min. income ≈ HK$142,110/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,129,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,715
−HK$4,560/mo
▼ 0.25% · 3.875%
HK$74,977
−HK$2,298/mo
Today · 4.125%
HK$77,275
baseline
▲ 0.50% · 4.625%
HK$81,977
+HK$4,702/mo
Deposit HK$10.63M · loan HK$15.94M · min. income ≈ HK$154,550/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,129,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,895
−HK$4,371/mo
▼ 0.25% · 3.875%
HK$83,065
−HK$2,201/mo
Today · 4.125%
HK$85,266
baseline
▲ 0.50% · 4.625%
HK$89,760
+HK$4,494/mo
Deposit HK$10.63M · loan HK$15.94M · min. income ≈ HK$170,532/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,129,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,835
−HK$5,320/mo
▼ 0.25% · 3.875%
HK$87,474
−HK$2,681/mo
Today · 4.125%
HK$90,155
baseline
▲ 0.50% · 4.625%
HK$95,640
+HK$5,485/mo
Deposit HK$7.97M · loan HK$18.60M · min. income ≈ HK$180,310/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,129,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,378
−HK$5,099/mo
▼ 0.25% · 3.875%
HK$96,909
−HK$2,568/mo
Today · 4.125%
HK$99,477
baseline
▲ 0.50% · 4.625%
HK$104,720
+HK$5,243/mo
Deposit HK$7.97M · loan HK$18.60M · min. income ≈ HK$198,954/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,129,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,073
−HK$6,840/mo
▼ 0.25% · 3.875%
HK$112,466
−HK$3,447/mo
Today · 4.125%
HK$115,913
baseline
▲ 0.50% · 4.625%
HK$122,966
+HK$7,053/mo
Deposit HK$2.66M · loan HK$23.92M · min. income ≈ HK$231,826/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,129,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,343
−HK$6,556/mo
▼ 0.25% · 3.875%
HK$124,597
−HK$3,302/mo
Today · 4.125%
HK$127,899
baseline
▲ 0.50% · 4.625%
HK$134,640
+HK$6,741/mo
Deposit HK$2.66M · loan HK$23.92M · min. income ≈ HK$255,798/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,129,408 · Scale 2, in force from 26 Feb 2026)