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$60,014
−HK$3,764/mo
▼ 0.25% · 3.875%
HK$61,881
−HK$1,897/mo
Today · 4.125%
HK$63,778
baseline
▲ 0.50% · 4.625%
HK$67,658
+HK$3,880/mo
Deposit HK$13.16M · loan HK$13.16M · min. income ≈ HK$127,556/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,118,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,765
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$68,556
−HK$1,816/mo
Today · 4.125%
HK$70,372
baseline
▲ 0.50% · 4.625%
HK$74,082
+HK$3,710/mo
Deposit HK$13.16M · loan HK$13.16M · min. income ≈ HK$140,744/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,118,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,017
−HK$4,516/mo
▼ 0.25% · 3.875%
HK$74,257
−HK$2,276/mo
Today · 4.125%
HK$76,533
baseline
▲ 0.50% · 4.625%
HK$81,190
+HK$4,657/mo
Deposit HK$10.53M · loan HK$15.79M · min. income ≈ HK$153,066/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,118,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,118
−HK$4,329/mo
▼ 0.25% · 3.875%
HK$82,267
−HK$2,180/mo
Today · 4.125%
HK$84,447
baseline
▲ 0.50% · 4.625%
HK$88,898
+HK$4,451/mo
Deposit HK$10.53M · loan HK$15.79M · min. income ≈ HK$168,894/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,118,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,020
−HK$5,269/mo
▼ 0.25% · 3.875%
HK$86,633
−HK$2,656/mo
Today · 4.125%
HK$89,289
baseline
▲ 0.50% · 4.625%
HK$94,722
+HK$5,433/mo
Deposit HK$7.90M · loan HK$18.42M · min. income ≈ HK$178,578/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,118,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,471
−HK$5,050/mo
▼ 0.25% · 3.875%
HK$95,978
−HK$2,543/mo
Today · 4.125%
HK$98,521
baseline
▲ 0.50% · 4.625%
HK$103,714
+HK$5,193/mo
Deposit HK$7.90M · loan HK$18.42M · min. income ≈ HK$197,042/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,118,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,026
−HK$6,774/mo
▼ 0.25% · 3.875%
HK$111,386
−HK$3,414/mo
Today · 4.125%
HK$114,800
baseline
▲ 0.50% · 4.625%
HK$121,785
+HK$6,985/mo
Deposit HK$2.63M · loan HK$23.69M · min. income ≈ HK$229,600/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,118,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,177
−HK$6,493/mo
▼ 0.25% · 3.875%
HK$123,401
−HK$3,269/mo
Today · 4.125%
HK$126,670
baseline
▲ 0.50% · 4.625%
HK$133,347
+HK$6,677/mo
Deposit HK$2.63M · loan HK$23.69M · min. income ≈ HK$253,340/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,118,561 · Scale 2, in force from 26 Feb 2026)