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$60,007
−HK$3,763/mo
▼ 0.25% · 3.875%
HK$61,873
−HK$1,897/mo
Today · 4.125%
HK$63,770
baseline
▲ 0.50% · 4.625%
HK$67,650
+HK$3,880/mo
Deposit HK$13.16M · loan HK$13.16M · min. income ≈ HK$127,540/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,118,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,757
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$68,547
−HK$1,817/mo
Today · 4.125%
HK$70,364
baseline
▲ 0.50% · 4.625%
HK$74,073
+HK$3,709/mo
Deposit HK$13.16M · loan HK$13.16M · min. income ≈ HK$140,728/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,118,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,008
−HK$4,516/mo
▼ 0.25% · 3.875%
HK$74,248
−HK$2,276/mo
Today · 4.125%
HK$76,524
baseline
▲ 0.50% · 4.625%
HK$81,180
+HK$4,656/mo
Deposit HK$10.53M · loan HK$15.79M · min. income ≈ HK$153,048/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,118,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,109
−HK$4,328/mo
▼ 0.25% · 3.875%
HK$82,257
−HK$2,180/mo
Today · 4.125%
HK$84,437
baseline
▲ 0.50% · 4.625%
HK$88,887
+HK$4,450/mo
Deposit HK$10.53M · loan HK$15.79M · min. income ≈ HK$168,874/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,118,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,010
−HK$5,268/mo
▼ 0.25% · 3.875%
HK$86,623
−HK$2,655/mo
Today · 4.125%
HK$89,278
baseline
▲ 0.50% · 4.625%
HK$94,710
+HK$5,432/mo
Deposit HK$7.89M · loan HK$18.42M · min. income ≈ HK$178,556/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,118,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,460
−HK$5,049/mo
▼ 0.25% · 3.875%
HK$95,966
−HK$2,543/mo
Today · 4.125%
HK$98,509
baseline
▲ 0.50% · 4.625%
HK$103,702
+HK$5,193/mo
Deposit HK$7.89M · loan HK$18.42M · min. income ≈ HK$197,018/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,118,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,012
−HK$6,774/mo
▼ 0.25% · 3.875%
HK$111,372
−HK$3,414/mo
Today · 4.125%
HK$114,786
baseline
▲ 0.50% · 4.625%
HK$121,770
+HK$6,984/mo
Deposit HK$2.63M · loan HK$23.68M · min. income ≈ HK$229,572/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,118,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,163
−HK$6,492/mo
▼ 0.25% · 3.875%
HK$123,385
−HK$3,270/mo
Today · 4.125%
HK$126,655
baseline
▲ 0.50% · 4.625%
HK$133,331
+HK$6,676/mo
Deposit HK$2.63M · loan HK$23.68M · min. income ≈ HK$253,310/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,118,425 · Scale 2, in force from 26 Feb 2026)