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$60,026
−HK$3,764/mo
▼ 0.25% · 3.875%
HK$61,893
−HK$1,897/mo
Today · 4.125%
HK$63,790
baseline
▲ 0.50% · 4.625%
HK$67,672
+HK$3,882/mo
Deposit HK$13.16M · loan HK$13.16M · min. income ≈ HK$127,580/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,118,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,778
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$68,569
−HK$1,817/mo
Today · 4.125%
HK$70,386
baseline
▲ 0.50% · 4.625%
HK$74,096
+HK$3,710/mo
Deposit HK$13.16M · loan HK$13.16M · min. income ≈ HK$140,772/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,118,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,031
−HK$4,517/mo
▼ 0.25% · 3.875%
HK$74,272
−HK$2,276/mo
Today · 4.125%
HK$76,548
baseline
▲ 0.50% · 4.625%
HK$81,206
+HK$4,658/mo
Deposit HK$10.53M · loan HK$15.79M · min. income ≈ HK$153,096/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,118,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,134
−HK$4,330/mo
▼ 0.25% · 3.875%
HK$82,283
−HK$2,181/mo
Today · 4.125%
HK$84,464
baseline
▲ 0.50% · 4.625%
HK$88,916
+HK$4,452/mo
Deposit HK$10.53M · loan HK$15.79M · min. income ≈ HK$168,928/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,118,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,037
−HK$5,269/mo
▼ 0.25% · 3.875%
HK$86,651
−HK$2,655/mo
Today · 4.125%
HK$89,306
baseline
▲ 0.50% · 4.625%
HK$94,740
+HK$5,434/mo
Deposit HK$7.90M · loan HK$18.43M · min. income ≈ HK$178,612/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,118,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,490
−HK$5,051/mo
▼ 0.25% · 3.875%
HK$95,997
−HK$2,544/mo
Today · 4.125%
HK$98,541
baseline
▲ 0.50% · 4.625%
HK$103,735
+HK$5,194/mo
Deposit HK$7.90M · loan HK$18.43M · min. income ≈ HK$197,082/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,118,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,047
−HK$6,776/mo
▼ 0.25% · 3.875%
HK$111,408
−HK$3,415/mo
Today · 4.125%
HK$114,823
baseline
▲ 0.50% · 4.625%
HK$121,809
+HK$6,986/mo
Deposit HK$2.63M · loan HK$23.69M · min. income ≈ HK$229,646/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,118,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,201
−HK$6,494/mo
▼ 0.25% · 3.875%
HK$123,425
−HK$3,270/mo
Today · 4.125%
HK$126,695
baseline
▲ 0.50% · 4.625%
HK$133,374
+HK$6,679/mo
Deposit HK$2.63M · loan HK$23.69M · min. income ≈ HK$253,390/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,118,782 · Scale 2, in force from 26 Feb 2026)