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$60,190
−HK$3,774/mo
▼ 0.25% · 3.875%
HK$62,062
−HK$1,902/mo
Today · 4.125%
HK$63,964
baseline
▲ 0.50% · 4.625%
HK$67,856
+HK$3,892/mo
Deposit HK$13.20M · loan HK$13.20M · min. income ≈ HK$127,928/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,121,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,960
−HK$3,618/mo
▼ 0.25% · 3.875%
HK$68,756
−HK$1,822/mo
Today · 4.125%
HK$70,578
baseline
▲ 0.50% · 4.625%
HK$74,298
+HK$3,720/mo
Deposit HK$13.20M · loan HK$13.20M · min. income ≈ HK$141,156/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,121,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,228
−HK$4,529/mo
▼ 0.25% · 3.875%
HK$74,474
−HK$2,283/mo
Today · 4.125%
HK$76,757
baseline
▲ 0.50% · 4.625%
HK$81,427
+HK$4,670/mo
Deposit HK$10.56M · loan HK$15.84M · min. income ≈ HK$153,514/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,121,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,352
−HK$4,342/mo
▼ 0.25% · 3.875%
HK$82,507
−HK$2,187/mo
Today · 4.125%
HK$84,694
baseline
▲ 0.50% · 4.625%
HK$89,158
+HK$4,464/mo
Deposit HK$10.56M · loan HK$15.84M · min. income ≈ HK$169,388/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,121,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,265
−HK$5,285/mo
▼ 0.25% · 3.875%
HK$86,887
−HK$2,663/mo
Today · 4.125%
HK$89,550
baseline
▲ 0.50% · 4.625%
HK$94,999
+HK$5,449/mo
Deposit HK$7.92M · loan HK$18.48M · min. income ≈ HK$179,100/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,121,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,745
−HK$5,064/mo
▼ 0.25% · 3.875%
HK$96,259
−HK$2,550/mo
Today · 4.125%
HK$98,809
baseline
▲ 0.50% · 4.625%
HK$104,018
+HK$5,209/mo
Deposit HK$7.92M · loan HK$18.48M · min. income ≈ HK$197,618/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,121,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,341
−HK$6,794/mo
▼ 0.25% · 3.875%
HK$111,711
−HK$3,424/mo
Today · 4.125%
HK$115,135
baseline
▲ 0.50% · 4.625%
HK$122,141
+HK$7,006/mo
Deposit HK$2.64M · loan HK$23.76M · min. income ≈ HK$230,270/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,529
−HK$6,511/mo
▼ 0.25% · 3.875%
HK$123,761
−HK$3,279/mo
Today · 4.125%
HK$127,040
baseline
▲ 0.50% · 4.625%
HK$133,737
+HK$6,697/mo
Deposit HK$2.64M · loan HK$23.76M · min. income ≈ HK$254,080/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,830 · Scale 2, in force from 26 Feb 2026)