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$60,202
−HK$3,775/mo
▼ 0.25% · 3.875%
HK$62,075
−HK$1,902/mo
Today · 4.125%
HK$63,977
baseline
▲ 0.50% · 4.625%
HK$67,870
+HK$3,893/mo
Deposit HK$13.20M · loan HK$13.20M · min. income ≈ HK$127,954/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,122,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,974
−HK$3,619/mo
▼ 0.25% · 3.875%
HK$68,770
−HK$1,823/mo
Today · 4.125%
HK$70,593
baseline
▲ 0.50% · 4.625%
HK$74,314
+HK$3,721/mo
Deposit HK$13.20M · loan HK$13.20M · min. income ≈ HK$141,186/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,122,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,243
−HK$4,530/mo
▼ 0.25% · 3.875%
HK$74,490
−HK$2,283/mo
Today · 4.125%
HK$76,773
baseline
▲ 0.50% · 4.625%
HK$81,444
+HK$4,671/mo
Deposit HK$10.56M · loan HK$15.84M · min. income ≈ HK$153,546/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,122,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,369
−HK$4,342/mo
▼ 0.25% · 3.875%
HK$82,525
−HK$2,186/mo
Today · 4.125%
HK$84,711
baseline
▲ 0.50% · 4.625%
HK$89,176
+HK$4,465/mo
Deposit HK$10.56M · loan HK$15.84M · min. income ≈ HK$169,422/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,122,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,283
−HK$5,285/mo
▼ 0.25% · 3.875%
HK$86,905
−HK$2,663/mo
Today · 4.125%
HK$89,568
baseline
▲ 0.50% · 4.625%
HK$95,018
+HK$5,450/mo
Deposit HK$7.92M · loan HK$18.48M · min. income ≈ HK$179,136/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,122,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,764
−HK$5,066/mo
▼ 0.25% · 3.875%
HK$96,279
−HK$2,551/mo
Today · 4.125%
HK$98,830
baseline
▲ 0.50% · 4.625%
HK$104,039
+HK$5,209/mo
Deposit HK$7.92M · loan HK$18.48M · min. income ≈ HK$197,660/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,122,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,364
−HK$6,795/mo
▼ 0.25% · 3.875%
HK$111,735
−HK$3,424/mo
Today · 4.125%
HK$115,159
baseline
▲ 0.50% · 4.625%
HK$122,166
+HK$7,007/mo
Deposit HK$2.64M · loan HK$23.76M · min. income ≈ HK$230,318/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,554
−HK$6,513/mo
▼ 0.25% · 3.875%
HK$123,787
−HK$3,280/mo
Today · 4.125%
HK$127,067
baseline
▲ 0.50% · 4.625%
HK$133,765
+HK$6,698/mo
Deposit HK$2.64M · loan HK$23.76M · min. income ≈ HK$254,134/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,063 · Scale 2, in force from 26 Feb 2026)