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$59,392
−HK$3,725/mo
▼ 0.25% · 3.875%
HK$61,240
−HK$1,877/mo
Today · 4.125%
HK$63,117
baseline
▲ 0.50% · 4.625%
HK$66,957
+HK$3,840/mo
Deposit HK$13.02M · loan HK$13.02M · min. income ≈ HK$126,234/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,106,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,073
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$67,845
−HK$1,798/mo
Today · 4.125%
HK$69,643
baseline
▲ 0.50% · 4.625%
HK$73,314
+HK$3,671/mo
Deposit HK$13.02M · loan HK$13.02M · min. income ≈ HK$139,286/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,106,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,271
−HK$4,469/mo
▼ 0.25% · 3.875%
HK$73,488
−HK$2,252/mo
Today · 4.125%
HK$75,740
baseline
▲ 0.50% · 4.625%
HK$80,349
+HK$4,609/mo
Deposit HK$10.42M · loan HK$15.63M · min. income ≈ HK$151,480/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,106,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,288
−HK$4,284/mo
▼ 0.25% · 3.875%
HK$81,414
−HK$2,158/mo
Today · 4.125%
HK$83,572
baseline
▲ 0.50% · 4.625%
HK$87,977
+HK$4,405/mo
Deposit HK$10.42M · loan HK$15.63M · min. income ≈ HK$167,144/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,106,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,149
−HK$5,214/mo
▼ 0.25% · 3.875%
HK$85,736
−HK$2,627/mo
Today · 4.125%
HK$88,363
baseline
▲ 0.50% · 4.625%
HK$93,740
+HK$5,377/mo
Deposit HK$7.81M · loan HK$18.23M · min. income ≈ HK$176,726/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,106,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,503
−HK$4,997/mo
▼ 0.25% · 3.875%
HK$94,984
−HK$2,516/mo
Today · 4.125%
HK$97,500
baseline
▲ 0.50% · 4.625%
HK$102,640
+HK$5,140/mo
Deposit HK$7.81M · loan HK$18.23M · min. income ≈ HK$195,000/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,106,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,906
−HK$6,704/mo
▼ 0.25% · 3.875%
HK$110,232
−HK$3,378/mo
Today · 4.125%
HK$113,610
baseline
▲ 0.50% · 4.625%
HK$120,523
+HK$6,913/mo
Deposit HK$2.60M · loan HK$23.44M · min. income ≈ HK$227,220/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,932
−HK$6,426/mo
▼ 0.25% · 3.875%
HK$122,122
−HK$3,236/mo
Today · 4.125%
HK$125,358
baseline
▲ 0.50% · 4.625%
HK$131,965
+HK$6,607/mo
Deposit HK$2.60M · loan HK$23.44M · min. income ≈ HK$250,716/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,969 · Scale 2, in force from 26 Feb 2026)