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$60,062
−HK$3,766/mo
▼ 0.25% · 3.875%
HK$61,930
−HK$1,898/mo
Today · 4.125%
HK$63,828
baseline
▲ 0.50% · 4.625%
HK$67,712
+HK$3,884/mo
Deposit HK$13.17M · loan HK$13.17M · min. income ≈ HK$127,656/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,119,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,818
−HK$3,610/mo
▼ 0.25% · 3.875%
HK$68,610
−HK$1,818/mo
Today · 4.125%
HK$70,428
baseline
▲ 0.50% · 4.625%
HK$74,140
+HK$3,712/mo
Deposit HK$13.17M · loan HK$13.17M · min. income ≈ HK$140,856/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,119,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,074
−HK$4,520/mo
▼ 0.25% · 3.875%
HK$74,316
−HK$2,278/mo
Today · 4.125%
HK$76,594
baseline
▲ 0.50% · 4.625%
HK$81,254
+HK$4,660/mo
Deposit HK$10.54M · loan HK$15.80M · min. income ≈ HK$153,188/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,119,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,182
−HK$4,331/mo
▼ 0.25% · 3.875%
HK$82,332
−HK$2,181/mo
Today · 4.125%
HK$84,513
baseline
▲ 0.50% · 4.625%
HK$88,968
+HK$4,455/mo
Deposit HK$10.54M · loan HK$15.80M · min. income ≈ HK$169,026/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,119,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,086
−HK$5,273/mo
▼ 0.25% · 3.875%
HK$86,702
−HK$2,657/mo
Today · 4.125%
HK$89,359
baseline
▲ 0.50% · 4.625%
HK$94,797
+HK$5,438/mo
Deposit HK$7.90M · loan HK$18.44M · min. income ≈ HK$178,718/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,119,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,545
−HK$5,054/mo
▼ 0.25% · 3.875%
HK$96,054
−HK$2,545/mo
Today · 4.125%
HK$98,599
baseline
▲ 0.50% · 4.625%
HK$103,796
+HK$5,197/mo
Deposit HK$7.90M · loan HK$18.44M · min. income ≈ HK$197,198/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,119,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,111
−HK$6,779/mo
▼ 0.25% · 3.875%
HK$111,474
−HK$3,416/mo
Today · 4.125%
HK$114,890
baseline
▲ 0.50% · 4.625%
HK$121,881
+HK$6,991/mo
Deposit HK$2.63M · loan HK$23.71M · min. income ≈ HK$229,780/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,119,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,272
−HK$6,498/mo
▼ 0.25% · 3.875%
HK$123,498
−HK$3,272/mo
Today · 4.125%
HK$126,770
baseline
▲ 0.50% · 4.625%
HK$133,452
+HK$6,682/mo
Deposit HK$2.63M · loan HK$23.71M · min. income ≈ HK$253,540/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,119,444 · Scale 2, in force from 26 Feb 2026)