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$60,353
−HK$3,784/mo
▼ 0.25% · 3.875%
HK$62,230
−HK$1,907/mo
Today · 4.125%
HK$64,137
baseline
▲ 0.50% · 4.625%
HK$68,040
+HK$3,903/mo
Deposit HK$13.23M · loan HK$13.23M · min. income ≈ HK$128,274/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,124,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,142
−HK$3,627/mo
▼ 0.25% · 3.875%
HK$68,942
−HK$1,827/mo
Today · 4.125%
HK$70,769
baseline
▲ 0.50% · 4.625%
HK$74,500
+HK$3,731/mo
Deposit HK$13.23M · loan HK$13.23M · min. income ≈ HK$141,538/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,124,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,423
−HK$4,542/mo
▼ 0.25% · 3.875%
HK$74,676
−HK$2,289/mo
Today · 4.125%
HK$76,965
baseline
▲ 0.50% · 4.625%
HK$81,648
+HK$4,683/mo
Deposit HK$10.59M · loan HK$15.88M · min. income ≈ HK$153,930/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,124,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,570
−HK$4,353/mo
▼ 0.25% · 3.875%
HK$82,731
−HK$2,192/mo
Today · 4.125%
HK$84,923
baseline
▲ 0.50% · 4.625%
HK$89,400
+HK$4,477/mo
Deposit HK$10.59M · loan HK$15.88M · min. income ≈ HK$169,846/mo (50% DSR)
Upfront cash ≈ HK$11.71M (deposit + AVD stamp duty HK$1,124,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,494
−HK$5,298/mo
▼ 0.25% · 3.875%
HK$87,122
−HK$2,670/mo
Today · 4.125%
HK$89,792
baseline
▲ 0.50% · 4.625%
HK$95,256
+HK$5,464/mo
Deposit HK$7.94M · loan HK$18.53M · min. income ≈ HK$179,584/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,124,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,998
−HK$5,079/mo
▼ 0.25% · 3.875%
HK$96,519
−HK$2,558/mo
Today · 4.125%
HK$99,077
baseline
▲ 0.50% · 4.625%
HK$104,299
+HK$5,222/mo
Deposit HK$7.94M · loan HK$18.53M · min. income ≈ HK$198,154/mo (50% DSR)
Upfront cash ≈ HK$9.07M (deposit + AVD stamp duty HK$1,124,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,635
−HK$6,812/mo
▼ 0.25% · 3.875%
HK$112,014
−HK$3,433/mo
Today · 4.125%
HK$115,447
baseline
▲ 0.50% · 4.625%
HK$122,472
+HK$7,025/mo
Deposit HK$2.65M · loan HK$23.82M · min. income ≈ HK$230,894/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,855
−HK$6,530/mo
▼ 0.25% · 3.875%
HK$124,096
−HK$3,289/mo
Today · 4.125%
HK$127,385
baseline
▲ 0.50% · 4.625%
HK$134,099
+HK$6,714/mo
Deposit HK$2.65M · loan HK$23.82M · min. income ≈ HK$254,770/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,124,870 · Scale 2, in force from 26 Feb 2026)