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$60,557
−HK$3,798/mo
▼ 0.25% · 3.875%
HK$62,441
−HK$1,914/mo
Today · 4.125%
HK$64,355
baseline
▲ 0.50% · 4.625%
HK$68,271
+HK$3,916/mo
Deposit HK$13.28M · loan HK$13.28M · min. income ≈ HK$128,710/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,128,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,370
−HK$3,639/mo
▼ 0.25% · 3.875%
HK$69,176
−HK$1,833/mo
Today · 4.125%
HK$71,009
baseline
▲ 0.50% · 4.625%
HK$74,752
+HK$3,743/mo
Deposit HK$13.28M · loan HK$13.28M · min. income ≈ HK$142,018/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,128,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,669
−HK$4,557/mo
▼ 0.25% · 3.875%
HK$74,929
−HK$2,297/mo
Today · 4.125%
HK$77,226
baseline
▲ 0.50% · 4.625%
HK$81,925
+HK$4,699/mo
Deposit HK$10.62M · loan HK$15.93M · min. income ≈ HK$154,452/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,843
−HK$4,368/mo
▼ 0.25% · 3.875%
HK$83,012
−HK$2,199/mo
Today · 4.125%
HK$85,211
baseline
▲ 0.50% · 4.625%
HK$89,703
+HK$4,492/mo
Deposit HK$10.62M · loan HK$15.93M · min. income ≈ HK$170,422/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,780
−HK$5,317/mo
▼ 0.25% · 3.875%
HK$87,418
−HK$2,679/mo
Today · 4.125%
HK$90,097
baseline
▲ 0.50% · 4.625%
HK$95,579
+HK$5,482/mo
Deposit HK$7.97M · loan HK$18.59M · min. income ≈ HK$180,194/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,128,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,317
−HK$5,096/mo
▼ 0.25% · 3.875%
HK$96,847
−HK$2,566/mo
Today · 4.125%
HK$99,413
baseline
▲ 0.50% · 4.625%
HK$104,653
+HK$5,240/mo
Deposit HK$7.97M · loan HK$18.59M · min. income ≈ HK$198,826/mo (50% DSR)
Upfront cash ≈ HK$9.10M (deposit + AVD stamp duty HK$1,128,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,003
−HK$6,836/mo
▼ 0.25% · 3.875%
HK$112,394
−HK$3,445/mo
Today · 4.125%
HK$115,839
baseline
▲ 0.50% · 4.625%
HK$122,887
+HK$7,048/mo
Deposit HK$2.66M · loan HK$23.90M · min. income ≈ HK$231,678/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,128,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,265
−HK$6,552/mo
▼ 0.25% · 3.875%
HK$124,517
−HK$3,300/mo
Today · 4.125%
HK$127,817
baseline
▲ 0.50% · 4.625%
HK$134,554
+HK$6,737/mo
Deposit HK$2.66M · loan HK$23.90M · min. income ≈ HK$255,634/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,128,686 · Scale 2, in force from 26 Feb 2026)