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$60,109
−HK$3,769/mo
▼ 0.25% · 3.875%
HK$61,979
−HK$1,899/mo
Today · 4.125%
HK$63,878
baseline
▲ 0.50% · 4.625%
HK$67,765
+HK$3,887/mo
Deposit HK$13.18M · loan HK$13.18M · min. income ≈ HK$127,756/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,120,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,871
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$68,664
−HK$1,819/mo
Today · 4.125%
HK$70,483
baseline
▲ 0.50% · 4.625%
HK$74,199
+HK$3,716/mo
Deposit HK$13.18M · loan HK$13.18M · min. income ≈ HK$140,966/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,120,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,131
−HK$4,523/mo
▼ 0.25% · 3.875%
HK$74,374
−HK$2,280/mo
Today · 4.125%
HK$76,654
baseline
▲ 0.50% · 4.625%
HK$81,318
+HK$4,664/mo
Deposit HK$10.54M · loan HK$15.82M · min. income ≈ HK$153,308/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,120,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,245
−HK$4,335/mo
▼ 0.25% · 3.875%
HK$82,397
−HK$2,183/mo
Today · 4.125%
HK$84,580
baseline
▲ 0.50% · 4.625%
HK$89,038
+HK$4,458/mo
Deposit HK$10.54M · loan HK$15.82M · min. income ≈ HK$169,160/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,120,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,153
−HK$5,277/mo
▼ 0.25% · 3.875%
HK$86,770
−HK$2,660/mo
Today · 4.125%
HK$89,430
baseline
▲ 0.50% · 4.625%
HK$94,871
+HK$5,441/mo
Deposit HK$7.91M · loan HK$18.45M · min. income ≈ HK$178,860/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,619
−HK$5,058/mo
▼ 0.25% · 3.875%
HK$96,130
−HK$2,547/mo
Today · 4.125%
HK$98,677
baseline
▲ 0.50% · 4.625%
HK$103,878
+HK$5,201/mo
Deposit HK$7.91M · loan HK$18.45M · min. income ≈ HK$197,354/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,196
−HK$6,785/mo
▼ 0.25% · 3.875%
HK$111,562
−HK$3,419/mo
Today · 4.125%
HK$114,981
baseline
▲ 0.50% · 4.625%
HK$121,977
+HK$6,996/mo
Deposit HK$2.64M · loan HK$23.72M · min. income ≈ HK$229,962/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,367
−HK$6,503/mo
▼ 0.25% · 3.875%
HK$123,595
−HK$3,275/mo
Today · 4.125%
HK$126,870
baseline
▲ 0.50% · 4.625%
HK$133,558
+HK$6,688/mo
Deposit HK$2.64M · loan HK$23.72M · min. income ≈ HK$253,740/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,327 · Scale 2, in force from 26 Feb 2026)