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$60,214
−HK$3,776/mo
▼ 0.25% · 3.875%
HK$62,087
−HK$1,903/mo
Today · 4.125%
HK$63,990
baseline
▲ 0.50% · 4.625%
HK$67,884
+HK$3,894/mo
Deposit HK$13.20M · loan HK$13.20M · min. income ≈ HK$127,980/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,122,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,987
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$68,784
−HK$1,823/mo
Today · 4.125%
HK$70,607
baseline
▲ 0.50% · 4.625%
HK$74,328
+HK$3,721/mo
Deposit HK$13.20M · loan HK$13.20M · min. income ≈ HK$141,214/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,122,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,257
−HK$4,531/mo
▼ 0.25% · 3.875%
HK$74,504
−HK$2,284/mo
Today · 4.125%
HK$76,788
baseline
▲ 0.50% · 4.625%
HK$81,460
+HK$4,672/mo
Deposit HK$10.56M · loan HK$15.84M · min. income ≈ HK$153,576/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,122,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,385
−HK$4,343/mo
▼ 0.25% · 3.875%
HK$82,541
−HK$2,187/mo
Today · 4.125%
HK$84,728
baseline
▲ 0.50% · 4.625%
HK$89,194
+HK$4,466/mo
Deposit HK$10.56M · loan HK$15.84M · min. income ≈ HK$169,456/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,122,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,300
−HK$5,286/mo
▼ 0.25% · 3.875%
HK$86,922
−HK$2,664/mo
Today · 4.125%
HK$89,586
baseline
▲ 0.50% · 4.625%
HK$95,037
+HK$5,451/mo
Deposit HK$7.92M · loan HK$18.48M · min. income ≈ HK$179,172/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,122,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,782
−HK$5,067/mo
▼ 0.25% · 3.875%
HK$96,298
−HK$2,551/mo
Today · 4.125%
HK$98,849
baseline
▲ 0.50% · 4.625%
HK$104,060
+HK$5,211/mo
Deposit HK$7.92M · loan HK$18.48M · min. income ≈ HK$197,698/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,122,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,385
−HK$6,797/mo
▼ 0.25% · 3.875%
HK$111,757
−HK$3,425/mo
Today · 4.125%
HK$115,182
baseline
▲ 0.50% · 4.625%
HK$122,190
+HK$7,008/mo
Deposit HK$2.64M · loan HK$23.77M · min. income ≈ HK$230,364/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,577
−HK$6,515/mo
▼ 0.25% · 3.875%
HK$123,811
−HK$3,281/mo
Today · 4.125%
HK$127,092
baseline
▲ 0.50% · 4.625%
HK$133,791
+HK$6,699/mo
Deposit HK$2.64M · loan HK$23.77M · min. income ≈ HK$254,184/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,284 · Scale 2, in force from 26 Feb 2026)