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$60,108
−HK$3,769/mo
▼ 0.25% · 3.875%
HK$61,978
−HK$1,899/mo
Today · 4.125%
HK$63,877
baseline
▲ 0.50% · 4.625%
HK$67,764
+HK$3,887/mo
Deposit HK$13.18M · loan HK$13.18M · min. income ≈ HK$127,754/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,120,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,870
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$68,663
−HK$1,819/mo
Today · 4.125%
HK$70,482
baseline
▲ 0.50% · 4.625%
HK$74,198
+HK$3,716/mo
Deposit HK$13.18M · loan HK$13.18M · min. income ≈ HK$140,964/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,120,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,130
−HK$4,523/mo
▼ 0.25% · 3.875%
HK$74,373
−HK$2,280/mo
Today · 4.125%
HK$76,653
baseline
▲ 0.50% · 4.625%
HK$81,317
+HK$4,664/mo
Deposit HK$10.54M · loan HK$15.82M · min. income ≈ HK$153,306/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,120,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,244
−HK$4,335/mo
▼ 0.25% · 3.875%
HK$82,396
−HK$2,183/mo
Today · 4.125%
HK$84,579
baseline
▲ 0.50% · 4.625%
HK$89,037
+HK$4,458/mo
Deposit HK$10.54M · loan HK$15.82M · min. income ≈ HK$169,158/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,120,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,151
−HK$5,277/mo
▼ 0.25% · 3.875%
HK$86,769
−HK$2,659/mo
Today · 4.125%
HK$89,428
baseline
▲ 0.50% · 4.625%
HK$94,870
+HK$5,442/mo
Deposit HK$7.91M · loan HK$18.45M · min. income ≈ HK$178,856/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,618
−HK$5,057/mo
▼ 0.25% · 3.875%
HK$96,128
−HK$2,547/mo
Today · 4.125%
HK$98,675
baseline
▲ 0.50% · 4.625%
HK$103,877
+HK$5,202/mo
Deposit HK$7.91M · loan HK$18.45M · min. income ≈ HK$197,350/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,195
−HK$6,784/mo
▼ 0.25% · 3.875%
HK$111,560
−HK$3,419/mo
Today · 4.125%
HK$114,979
baseline
▲ 0.50% · 4.625%
HK$121,976
+HK$6,997/mo
Deposit HK$2.64M · loan HK$23.72M · min. income ≈ HK$229,958/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,365
−HK$6,503/mo
▼ 0.25% · 3.875%
HK$123,594
−HK$3,274/mo
Today · 4.125%
HK$126,868
baseline
▲ 0.50% · 4.625%
HK$133,556
+HK$6,688/mo
Deposit HK$2.64M · loan HK$23.72M · min. income ≈ HK$253,736/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,311 · Scale 2, in force from 26 Feb 2026)