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$60,543
−HK$3,796/mo
▼ 0.25% · 3.875%
HK$62,426
−HK$1,913/mo
Today · 4.125%
HK$64,339
baseline
▲ 0.50% · 4.625%
HK$68,254
+HK$3,915/mo
Deposit HK$13.28M · loan HK$13.28M · min. income ≈ HK$128,678/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,128,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,353
−HK$3,639/mo
▼ 0.25% · 3.875%
HK$69,160
−HK$1,832/mo
Today · 4.125%
HK$70,992
baseline
▲ 0.50% · 4.625%
HK$74,734
+HK$3,742/mo
Deposit HK$13.28M · loan HK$13.28M · min. income ≈ HK$141,984/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,128,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,651
−HK$4,556/mo
▼ 0.25% · 3.875%
HK$74,911
−HK$2,296/mo
Today · 4.125%
HK$77,207
baseline
▲ 0.50% · 4.625%
HK$81,905
+HK$4,698/mo
Deposit HK$10.62M · loan HK$15.93M · min. income ≈ HK$154,414/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,824
−HK$4,366/mo
▼ 0.25% · 3.875%
HK$82,991
−HK$2,199/mo
Today · 4.125%
HK$85,190
baseline
▲ 0.50% · 4.625%
HK$89,681
+HK$4,491/mo
Deposit HK$10.62M · loan HK$15.93M · min. income ≈ HK$170,380/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,128,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,760
−HK$5,315/mo
▼ 0.25% · 3.875%
HK$87,396
−HK$2,679/mo
Today · 4.125%
HK$90,075
baseline
▲ 0.50% · 4.625%
HK$95,556
+HK$5,481/mo
Deposit HK$7.97M · loan HK$18.59M · min. income ≈ HK$180,150/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,128,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,294
−HK$5,095/mo
▼ 0.25% · 3.875%
HK$96,823
−HK$2,566/mo
Today · 4.125%
HK$99,389
baseline
▲ 0.50% · 4.625%
HK$104,628
+HK$5,239/mo
Deposit HK$7.97M · loan HK$18.59M · min. income ≈ HK$198,778/mo (50% DSR)
Upfront cash ≈ HK$9.09M (deposit + AVD stamp duty HK$1,128,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,977
−HK$6,834/mo
▼ 0.25% · 3.875%
HK$112,367
−HK$3,444/mo
Today · 4.125%
HK$115,811
baseline
▲ 0.50% · 4.625%
HK$122,857
+HK$7,046/mo
Deposit HK$2.66M · loan HK$23.90M · min. income ≈ HK$231,622/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,128,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,236
−HK$6,550/mo
▼ 0.25% · 3.875%
HK$124,487
−HK$3,299/mo
Today · 4.125%
HK$127,786
baseline
▲ 0.50% · 4.625%
HK$134,521
+HK$6,735/mo
Deposit HK$2.66M · loan HK$23.90M · min. income ≈ HK$255,572/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,128,411 · Scale 2, in force from 26 Feb 2026)