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$60,137
−HK$3,771/mo
▼ 0.25% · 3.875%
HK$62,008
−HK$1,900/mo
Today · 4.125%
HK$63,908
baseline
▲ 0.50% · 4.625%
HK$67,797
+HK$3,889/mo
Deposit HK$13.19M · loan HK$13.19M · min. income ≈ HK$127,816/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,120,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,902
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$68,696
−HK$1,820/mo
Today · 4.125%
HK$70,516
baseline
▲ 0.50% · 4.625%
HK$74,233
+HK$3,717/mo
Deposit HK$13.19M · loan HK$13.19M · min. income ≈ HK$141,032/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,120,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,164
−HK$4,526/mo
▼ 0.25% · 3.875%
HK$74,409
−HK$2,281/mo
Today · 4.125%
HK$76,690
baseline
▲ 0.50% · 4.625%
HK$81,356
+HK$4,666/mo
Deposit HK$10.55M · loan HK$15.82M · min. income ≈ HK$153,380/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,120,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,282
−HK$4,337/mo
▼ 0.25% · 3.875%
HK$82,435
−HK$2,184/mo
Today · 4.125%
HK$84,619
baseline
▲ 0.50% · 4.625%
HK$89,080
+HK$4,461/mo
Deposit HK$10.55M · loan HK$15.82M · min. income ≈ HK$169,238/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,120,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,192
−HK$5,279/mo
▼ 0.25% · 3.875%
HK$86,811
−HK$2,660/mo
Today · 4.125%
HK$89,471
baseline
▲ 0.50% · 4.625%
HK$94,915
+HK$5,444/mo
Deposit HK$7.91M · loan HK$18.46M · min. income ≈ HK$178,942/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,662
−HK$5,061/mo
▼ 0.25% · 3.875%
HK$96,174
−HK$2,549/mo
Today · 4.125%
HK$98,723
baseline
▲ 0.50% · 4.625%
HK$103,927
+HK$5,204/mo
Deposit HK$7.91M · loan HK$18.46M · min. income ≈ HK$197,446/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,246
−HK$6,788/mo
▼ 0.25% · 3.875%
HK$111,614
−HK$3,420/mo
Today · 4.125%
HK$115,034
baseline
▲ 0.50% · 4.625%
HK$122,034
+HK$7,000/mo
Deposit HK$2.64M · loan HK$23.74M · min. income ≈ HK$230,068/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,423
−HK$6,506/mo
▼ 0.25% · 3.875%
HK$123,653
−HK$3,276/mo
Today · 4.125%
HK$126,929
baseline
▲ 0.50% · 4.625%
HK$133,620
+HK$6,691/mo
Deposit HK$2.64M · loan HK$23.74M · min. income ≈ HK$253,858/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,848 · Scale 2, in force from 26 Feb 2026)