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$60,144
−HK$3,772/mo
▼ 0.25% · 3.875%
HK$62,015
−HK$1,901/mo
Today · 4.125%
HK$63,916
baseline
▲ 0.50% · 4.625%
HK$67,805
+HK$3,889/mo
Deposit HK$13.19M · loan HK$13.19M · min. income ≈ HK$127,832/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,120,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,910
−HK$3,615/mo
▼ 0.25% · 3.875%
HK$68,704
−HK$1,821/mo
Today · 4.125%
HK$70,525
baseline
▲ 0.50% · 4.625%
HK$74,242
+HK$3,717/mo
Deposit HK$13.19M · loan HK$13.19M · min. income ≈ HK$141,050/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,120,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,173
−HK$4,526/mo
▼ 0.25% · 3.875%
HK$74,418
−HK$2,281/mo
Today · 4.125%
HK$76,699
baseline
▲ 0.50% · 4.625%
HK$81,366
+HK$4,667/mo
Deposit HK$10.55M · loan HK$15.83M · min. income ≈ HK$153,398/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,120,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,292
−HK$4,337/mo
▼ 0.25% · 3.875%
HK$82,445
−HK$2,184/mo
Today · 4.125%
HK$84,629
baseline
▲ 0.50% · 4.625%
HK$89,090
+HK$4,461/mo
Deposit HK$10.55M · loan HK$15.83M · min. income ≈ HK$169,258/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,120,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,202
−HK$5,280/mo
▼ 0.25% · 3.875%
HK$86,821
−HK$2,661/mo
Today · 4.125%
HK$89,482
baseline
▲ 0.50% · 4.625%
HK$94,927
+HK$5,445/mo
Deposit HK$7.91M · loan HK$18.46M · min. income ≈ HK$178,964/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,673
−HK$5,061/mo
▼ 0.25% · 3.875%
HK$96,186
−HK$2,548/mo
Today · 4.125%
HK$98,734
baseline
▲ 0.50% · 4.625%
HK$103,939
+HK$5,205/mo
Deposit HK$7.91M · loan HK$18.46M · min. income ≈ HK$197,468/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,259
−HK$6,789/mo
▼ 0.25% · 3.875%
HK$111,627
−HK$3,421/mo
Today · 4.125%
HK$115,048
baseline
▲ 0.50% · 4.625%
HK$122,048
+HK$7,000/mo
Deposit HK$2.64M · loan HK$23.74M · min. income ≈ HK$230,096/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,437
−HK$6,507/mo
▼ 0.25% · 3.875%
HK$123,667
−HK$3,277/mo
Today · 4.125%
HK$126,944
baseline
▲ 0.50% · 4.625%
HK$133,636
+HK$6,692/mo
Deposit HK$2.64M · loan HK$23.74M · min. income ≈ HK$253,888/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,980 · Scale 2, in force from 26 Feb 2026)