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$60,098
−HK$3,768/mo
▼ 0.25% · 3.875%
HK$61,967
−HK$1,899/mo
Today · 4.125%
HK$63,866
baseline
▲ 0.50% · 4.625%
HK$67,752
+HK$3,886/mo
Deposit HK$13.18M · loan HK$13.18M · min. income ≈ HK$127,732/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,120,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,858
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$68,651
−HK$1,819/mo
Today · 4.125%
HK$70,470
baseline
▲ 0.50% · 4.625%
HK$74,185
+HK$3,715/mo
Deposit HK$13.18M · loan HK$13.18M · min. income ≈ HK$140,940/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,120,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,117
−HK$4,522/mo
▼ 0.25% · 3.875%
HK$74,360
−HK$2,279/mo
Today · 4.125%
HK$76,639
baseline
▲ 0.50% · 4.625%
HK$81,303
+HK$4,664/mo
Deposit HK$10.54M · loan HK$15.81M · min. income ≈ HK$153,278/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,120,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,229
−HK$4,335/mo
▼ 0.25% · 3.875%
HK$82,381
−HK$2,183/mo
Today · 4.125%
HK$84,564
baseline
▲ 0.50% · 4.625%
HK$89,022
+HK$4,458/mo
Deposit HK$10.54M · loan HK$15.81M · min. income ≈ HK$169,128/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,120,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,137
−HK$5,276/mo
▼ 0.25% · 3.875%
HK$86,754
−HK$2,659/mo
Today · 4.125%
HK$89,413
baseline
▲ 0.50% · 4.625%
HK$94,853
+HK$5,440/mo
Deposit HK$7.91M · loan HK$18.45M · min. income ≈ HK$178,826/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,601
−HK$5,057/mo
▼ 0.25% · 3.875%
HK$96,111
−HK$2,547/mo
Today · 4.125%
HK$98,658
baseline
▲ 0.50% · 4.625%
HK$103,858
+HK$5,200/mo
Deposit HK$7.91M · loan HK$18.45M · min. income ≈ HK$197,316/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,176
−HK$6,783/mo
▼ 0.25% · 3.875%
HK$111,540
−HK$3,419/mo
Today · 4.125%
HK$114,959
baseline
▲ 0.50% · 4.625%
HK$121,954
+HK$6,995/mo
Deposit HK$2.64M · loan HK$23.72M · min. income ≈ HK$229,918/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,344
−HK$6,502/mo
▼ 0.25% · 3.875%
HK$123,572
−HK$3,274/mo
Today · 4.125%
HK$126,846
baseline
▲ 0.50% · 4.625%
HK$133,532
+HK$6,686/mo
Deposit HK$2.64M · loan HK$23.72M · min. income ≈ HK$253,692/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,114 · Scale 2, in force from 26 Feb 2026)