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$60,670
−HK$3,804/mo
▼ 0.25% · 3.875%
HK$62,557
−HK$1,917/mo
Today · 4.125%
HK$64,474
baseline
▲ 0.50% · 4.625%
HK$68,397
+HK$3,923/mo
Deposit HK$13.30M · loan HK$13.30M · min. income ≈ HK$128,948/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,130,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,494
−HK$3,647/mo
▼ 0.25% · 3.875%
HK$69,305
−HK$1,836/mo
Today · 4.125%
HK$71,141
baseline
▲ 0.50% · 4.625%
HK$74,891
+HK$3,750/mo
Deposit HK$13.30M · loan HK$13.30M · min. income ≈ HK$142,282/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,130,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,804
−HK$4,565/mo
▼ 0.25% · 3.875%
HK$75,068
−HK$2,301/mo
Today · 4.125%
HK$77,369
baseline
▲ 0.50% · 4.625%
HK$82,077
+HK$4,708/mo
Deposit HK$10.64M · loan HK$15.96M · min. income ≈ HK$154,738/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,130,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,993
−HK$4,376/mo
▼ 0.25% · 3.875%
HK$83,165
−HK$2,204/mo
Today · 4.125%
HK$85,369
baseline
▲ 0.50% · 4.625%
HK$89,869
+HK$4,500/mo
Deposit HK$10.64M · loan HK$15.96M · min. income ≈ HK$170,738/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,130,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,938
−HK$5,326/mo
▼ 0.25% · 3.875%
HK$87,580
−HK$2,684/mo
Today · 4.125%
HK$90,264
baseline
▲ 0.50% · 4.625%
HK$95,756
+HK$5,492/mo
Deposit HK$7.98M · loan HK$18.62M · min. income ≈ HK$180,528/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,492
−HK$5,105/mo
▼ 0.25% · 3.875%
HK$97,026
−HK$2,571/mo
Today · 4.125%
HK$99,597
baseline
▲ 0.50% · 4.625%
HK$104,847
+HK$5,250/mo
Deposit HK$7.98M · loan HK$18.62M · min. income ≈ HK$199,194/mo (50% DSR)
Upfront cash ≈ HK$9.11M (deposit + AVD stamp duty HK$1,130,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,205
−HK$6,849/mo
▼ 0.25% · 3.875%
HK$112,602
−HK$3,452/mo
Today · 4.125%
HK$116,054
baseline
▲ 0.50% · 4.625%
HK$123,115
+HK$7,061/mo
Deposit HK$2.66M · loan HK$23.95M · min. income ≈ HK$232,108/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,490
−HK$6,564/mo
▼ 0.25% · 3.875%
HK$124,748
−HK$3,306/mo
Today · 4.125%
HK$128,054
baseline
▲ 0.50% · 4.625%
HK$134,804
+HK$6,750/mo
Deposit HK$2.66M · loan HK$23.95M · min. income ≈ HK$256,108/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$1,130,777 · Scale 2, in force from 26 Feb 2026)