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$60,067
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$61,936
−HK$1,898/mo
Today · 4.125%
HK$63,834
baseline
▲ 0.50% · 4.625%
HK$67,718
+HK$3,884/mo
Deposit HK$13.17M · loan HK$13.17M · min. income ≈ HK$127,668/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,119,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,824
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$68,617
−HK$1,818/mo
Today · 4.125%
HK$70,435
baseline
▲ 0.50% · 4.625%
HK$74,147
+HK$3,712/mo
Deposit HK$13.17M · loan HK$13.17M · min. income ≈ HK$140,870/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,119,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,081
−HK$4,520/mo
▼ 0.25% · 3.875%
HK$74,323
−HK$2,278/mo
Today · 4.125%
HK$76,601
baseline
▲ 0.50% · 4.625%
HK$81,262
+HK$4,661/mo
Deposit HK$10.54M · loan HK$15.81M · min. income ≈ HK$153,202/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,119,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,189
−HK$4,333/mo
▼ 0.25% · 3.875%
HK$82,340
−HK$2,182/mo
Today · 4.125%
HK$84,522
baseline
▲ 0.50% · 4.625%
HK$88,977
+HK$4,455/mo
Deposit HK$10.54M · loan HK$15.81M · min. income ≈ HK$169,044/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,119,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,094
−HK$5,274/mo
▼ 0.25% · 3.875%
HK$86,710
−HK$2,658/mo
Today · 4.125%
HK$89,368
baseline
▲ 0.50% · 4.625%
HK$94,806
+HK$5,438/mo
Deposit HK$7.90M · loan HK$18.44M · min. income ≈ HK$178,736/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,119,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,554
−HK$5,055/mo
▼ 0.25% · 3.875%
HK$96,063
−HK$2,546/mo
Today · 4.125%
HK$98,609
baseline
▲ 0.50% · 4.625%
HK$103,806
+HK$5,197/mo
Deposit HK$7.90M · loan HK$18.44M · min. income ≈ HK$197,218/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,119,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,121
−HK$6,780/mo
▼ 0.25% · 3.875%
HK$111,484
−HK$3,417/mo
Today · 4.125%
HK$114,901
baseline
▲ 0.50% · 4.625%
HK$121,893
+HK$6,992/mo
Deposit HK$2.63M · loan HK$23.71M · min. income ≈ HK$229,802/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,119,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,284
−HK$6,498/mo
▼ 0.25% · 3.875%
HK$123,510
−HK$3,272/mo
Today · 4.125%
HK$126,782
baseline
▲ 0.50% · 4.625%
HK$133,465
+HK$6,683/mo
Deposit HK$2.63M · loan HK$23.71M · min. income ≈ HK$253,564/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,119,552 · Scale 2, in force from 26 Feb 2026)