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$60,298
−HK$3,781/mo
▼ 0.25% · 3.875%
HK$62,174
−HK$1,905/mo
Today · 4.125%
HK$64,079
baseline
▲ 0.50% · 4.625%
HK$67,978
+HK$3,899/mo
Deposit HK$13.22M · loan HK$13.22M · min. income ≈ HK$128,158/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,123,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,081
−HK$3,624/mo
▼ 0.25% · 3.875%
HK$68,880
−HK$1,825/mo
Today · 4.125%
HK$70,705
baseline
▲ 0.50% · 4.625%
HK$74,432
+HK$3,727/mo
Deposit HK$13.22M · loan HK$13.22M · min. income ≈ HK$141,410/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,123,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,358
−HK$4,537/mo
▼ 0.25% · 3.875%
HK$74,609
−HK$2,286/mo
Today · 4.125%
HK$76,895
baseline
▲ 0.50% · 4.625%
HK$81,574
+HK$4,679/mo
Deposit HK$10.58M · loan HK$15.87M · min. income ≈ HK$153,790/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,123,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,497
−HK$4,349/mo
▼ 0.25% · 3.875%
HK$82,656
−HK$2,190/mo
Today · 4.125%
HK$84,846
baseline
▲ 0.50% · 4.625%
HK$89,319
+HK$4,473/mo
Deposit HK$10.58M · loan HK$15.87M · min. income ≈ HK$169,692/mo (50% DSR)
Upfront cash ≈ HK$11.70M (deposit + AVD stamp duty HK$1,123,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,417
−HK$5,294/mo
▼ 0.25% · 3.875%
HK$87,043
−HK$2,668/mo
Today · 4.125%
HK$89,711
baseline
▲ 0.50% · 4.625%
HK$95,170
+HK$5,459/mo
Deposit HK$7.93M · loan HK$18.51M · min. income ≈ HK$179,422/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,123,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,914
−HK$5,073/mo
▼ 0.25% · 3.875%
HK$96,432
−HK$2,555/mo
Today · 4.125%
HK$98,987
baseline
▲ 0.50% · 4.625%
HK$104,205
+HK$5,218/mo
Deposit HK$7.93M · loan HK$18.51M · min. income ≈ HK$197,974/mo (50% DSR)
Upfront cash ≈ HK$9.06M (deposit + AVD stamp duty HK$1,123,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,537
−HK$6,806/mo
▼ 0.25% · 3.875%
HK$111,913
−HK$3,430/mo
Today · 4.125%
HK$115,343
baseline
▲ 0.50% · 4.625%
HK$122,361
+HK$7,018/mo
Deposit HK$2.64M · loan HK$23.80M · min. income ≈ HK$230,686/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,746
−HK$6,523/mo
▼ 0.25% · 3.875%
HK$123,984
−HK$3,285/mo
Today · 4.125%
HK$127,269
baseline
▲ 0.50% · 4.625%
HK$133,978
+HK$6,709/mo
Deposit HK$2.64M · loan HK$23.80M · min. income ≈ HK$254,538/mo (50% DSR)
Upfront cash ≈ HK$3.77M (deposit + AVD stamp duty HK$1,123,853 · Scale 2, in force from 26 Feb 2026)