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$59,980
−HK$3,761/mo
▼ 0.25% · 3.875%
HK$61,846
−HK$1,895/mo
Today · 4.125%
HK$63,741
baseline
▲ 0.50% · 4.625%
HK$67,620
+HK$3,879/mo
Deposit HK$13.15M · loan HK$13.15M · min. income ≈ HK$127,482/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,117,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,727
−HK$3,605/mo
▼ 0.25% · 3.875%
HK$68,517
−HK$1,815/mo
Today · 4.125%
HK$70,332
baseline
▲ 0.50% · 4.625%
HK$74,040
+HK$3,708/mo
Deposit HK$13.15M · loan HK$13.15M · min. income ≈ HK$140,664/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,117,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,976
−HK$4,514/mo
▼ 0.25% · 3.875%
HK$74,215
−HK$2,275/mo
Today · 4.125%
HK$76,490
baseline
▲ 0.50% · 4.625%
HK$81,144
+HK$4,654/mo
Deposit HK$10.52M · loan HK$15.78M · min. income ≈ HK$152,980/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,117,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,073
−HK$4,326/mo
▼ 0.25% · 3.875%
HK$82,220
−HK$2,179/mo
Today · 4.125%
HK$84,399
baseline
▲ 0.50% · 4.625%
HK$88,847
+HK$4,448/mo
Deposit HK$10.52M · loan HK$15.78M · min. income ≈ HK$168,798/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,117,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,972
−HK$5,266/mo
▼ 0.25% · 3.875%
HK$86,584
−HK$2,654/mo
Today · 4.125%
HK$89,238
baseline
▲ 0.50% · 4.625%
HK$94,668
+HK$5,430/mo
Deposit HK$7.89M · loan HK$18.41M · min. income ≈ HK$178,476/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,117,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,418
−HK$5,047/mo
▼ 0.25% · 3.875%
HK$95,923
−HK$2,542/mo
Today · 4.125%
HK$98,465
baseline
▲ 0.50% · 4.625%
HK$103,655
+HK$5,190/mo
Deposit HK$7.89M · loan HK$18.41M · min. income ≈ HK$196,930/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,117,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,964
−HK$6,770/mo
▼ 0.25% · 3.875%
HK$111,322
−HK$3,412/mo
Today · 4.125%
HK$114,734
baseline
▲ 0.50% · 4.625%
HK$121,716
+HK$6,982/mo
Deposit HK$2.63M · loan HK$23.67M · min. income ≈ HK$229,468/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,117,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,109
−HK$6,489/mo
▼ 0.25% · 3.875%
HK$123,330
−HK$3,268/mo
Today · 4.125%
HK$126,598
baseline
▲ 0.50% · 4.625%
HK$133,271
+HK$6,673/mo
Deposit HK$2.63M · loan HK$23.67M · min. income ≈ HK$253,196/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,117,924 · Scale 2, in force from 26 Feb 2026)