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$60,175
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$62,046
−HK$1,902/mo
Today · 4.125%
HK$63,948
baseline
▲ 0.50% · 4.625%
HK$67,839
+HK$3,891/mo
Deposit HK$13.19M · loan HK$13.19M · min. income ≈ HK$127,896/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,121,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,944
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$68,739
−HK$1,821/mo
Today · 4.125%
HK$70,560
baseline
▲ 0.50% · 4.625%
HK$74,280
+HK$3,720/mo
Deposit HK$13.19M · loan HK$13.19M · min. income ≈ HK$141,120/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,121,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,209
−HK$4,529/mo
▼ 0.25% · 3.875%
HK$74,456
−HK$2,282/mo
Today · 4.125%
HK$76,738
baseline
▲ 0.50% · 4.625%
HK$81,407
+HK$4,669/mo
Deposit HK$10.56M · loan HK$15.83M · min. income ≈ HK$153,476/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,121,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,332
−HK$4,340/mo
▼ 0.25% · 3.875%
HK$82,487
−HK$2,185/mo
Today · 4.125%
HK$84,672
baseline
▲ 0.50% · 4.625%
HK$89,136
+HK$4,464/mo
Deposit HK$10.56M · loan HK$15.83M · min. income ≈ HK$169,344/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,121,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,244
−HK$5,283/mo
▼ 0.25% · 3.875%
HK$86,865
−HK$2,662/mo
Today · 4.125%
HK$89,527
baseline
▲ 0.50% · 4.625%
HK$94,975
+HK$5,448/mo
Deposit HK$7.92M · loan HK$18.47M · min. income ≈ HK$179,054/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,121,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,721
−HK$5,063/mo
▼ 0.25% · 3.875%
HK$96,235
−HK$2,549/mo
Today · 4.125%
HK$98,784
baseline
▲ 0.50% · 4.625%
HK$103,992
+HK$5,208/mo
Deposit HK$7.92M · loan HK$18.47M · min. income ≈ HK$197,568/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,121,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,314
−HK$6,792/mo
▼ 0.25% · 3.875%
HK$111,683
−HK$3,423/mo
Today · 4.125%
HK$115,106
baseline
▲ 0.50% · 4.625%
HK$122,110
+HK$7,004/mo
Deposit HK$2.64M · loan HK$23.75M · min. income ≈ HK$230,212/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,498
−HK$6,511/mo
▼ 0.25% · 3.875%
HK$123,730
−HK$3,279/mo
Today · 4.125%
HK$127,009
baseline
▲ 0.50% · 4.625%
HK$133,703
+HK$6,694/mo
Deposit HK$2.64M · loan HK$23.75M · min. income ≈ HK$254,018/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,549 · Scale 2, in force from 26 Feb 2026)