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$60,187
−HK$3,775/mo
▼ 0.25% · 3.875%
HK$62,059
−HK$1,903/mo
Today · 4.125%
HK$63,962
baseline
▲ 0.50% · 4.625%
HK$67,853
+HK$3,891/mo
Deposit HK$13.20M · loan HK$13.20M · min. income ≈ HK$127,924/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,121,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,958
−HK$3,617/mo
▼ 0.25% · 3.875%
HK$68,754
−HK$1,821/mo
Today · 4.125%
HK$70,575
baseline
▲ 0.50% · 4.625%
HK$74,295
+HK$3,720/mo
Deposit HK$13.20M · loan HK$13.20M · min. income ≈ HK$141,150/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,121,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,225
−HK$4,529/mo
▼ 0.25% · 3.875%
HK$74,471
−HK$2,283/mo
Today · 4.125%
HK$76,754
baseline
▲ 0.50% · 4.625%
HK$81,424
+HK$4,670/mo
Deposit HK$10.56M · loan HK$15.84M · min. income ≈ HK$153,508/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,121,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,349
−HK$4,341/mo
▼ 0.25% · 3.875%
HK$82,504
−HK$2,186/mo
Today · 4.125%
HK$84,690
baseline
▲ 0.50% · 4.625%
HK$89,154
+HK$4,464/mo
Deposit HK$10.56M · loan HK$15.84M · min. income ≈ HK$169,380/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,121,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,262
−HK$5,284/mo
▼ 0.25% · 3.875%
HK$86,883
−HK$2,663/mo
Today · 4.125%
HK$89,546
baseline
▲ 0.50% · 4.625%
HK$94,995
+HK$5,449/mo
Deposit HK$7.92M · loan HK$18.48M · min. income ≈ HK$179,092/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,121,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,741
−HK$5,064/mo
▼ 0.25% · 3.875%
HK$96,255
−HK$2,550/mo
Today · 4.125%
HK$98,805
baseline
▲ 0.50% · 4.625%
HK$104,014
+HK$5,209/mo
Deposit HK$7.92M · loan HK$18.48M · min. income ≈ HK$197,610/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,121,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,337
−HK$6,794/mo
▼ 0.25% · 3.875%
HK$111,707
−HK$3,424/mo
Today · 4.125%
HK$115,131
baseline
▲ 0.50% · 4.625%
HK$122,136
+HK$7,005/mo
Deposit HK$2.64M · loan HK$23.76M · min. income ≈ HK$230,262/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,524
−HK$6,512/mo
▼ 0.25% · 3.875%
HK$123,756
−HK$3,280/mo
Today · 4.125%
HK$127,036
baseline
▲ 0.50% · 4.625%
HK$133,732
+HK$6,696/mo
Deposit HK$2.64M · loan HK$23.76M · min. income ≈ HK$254,072/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,787 · Scale 2, in force from 26 Feb 2026)