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$59,987
−HK$3,762/mo
▼ 0.25% · 3.875%
HK$61,853
−HK$1,896/mo
Today · 4.125%
HK$63,749
baseline
▲ 0.50% · 4.625%
HK$67,627
+HK$3,878/mo
Deposit HK$13.15M · loan HK$13.15M · min. income ≈ HK$127,498/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,118,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,735
−HK$3,605/mo
▼ 0.25% · 3.875%
HK$68,525
−HK$1,815/mo
Today · 4.125%
HK$70,340
baseline
▲ 0.50% · 4.625%
HK$74,048
+HK$3,708/mo
Deposit HK$13.15M · loan HK$13.15M · min. income ≈ HK$140,680/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,118,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,984
−HK$4,514/mo
▼ 0.25% · 3.875%
HK$74,223
−HK$2,275/mo
Today · 4.125%
HK$76,498
baseline
▲ 0.50% · 4.625%
HK$81,153
+HK$4,655/mo
Deposit HK$10.52M · loan HK$15.78M · min. income ≈ HK$152,996/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,118,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,082
−HK$4,326/mo
▼ 0.25% · 3.875%
HK$82,229
−HK$2,179/mo
Today · 4.125%
HK$84,408
baseline
▲ 0.50% · 4.625%
HK$88,858
+HK$4,450/mo
Deposit HK$10.52M · loan HK$15.78M · min. income ≈ HK$168,816/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,118,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,982
−HK$5,266/mo
▼ 0.25% · 3.875%
HK$86,594
−HK$2,654/mo
Today · 4.125%
HK$89,248
baseline
▲ 0.50% · 4.625%
HK$94,678
+HK$5,430/mo
Deposit HK$7.89M · loan HK$18.41M · min. income ≈ HK$178,496/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,118,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,429
−HK$5,047/mo
▼ 0.25% · 3.875%
HK$95,934
−HK$2,542/mo
Today · 4.125%
HK$98,476
baseline
▲ 0.50% · 4.625%
HK$103,667
+HK$5,191/mo
Deposit HK$7.89M · loan HK$18.41M · min. income ≈ HK$196,952/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,118,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,976
−HK$6,771/mo
▼ 0.25% · 3.875%
HK$111,335
−HK$3,412/mo
Today · 4.125%
HK$114,747
baseline
▲ 0.50% · 4.625%
HK$121,729
+HK$6,982/mo
Deposit HK$2.63M · loan HK$23.68M · min. income ≈ HK$229,494/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,118,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,123
−HK$6,489/mo
▼ 0.25% · 3.875%
HK$123,344
−HK$3,268/mo
Today · 4.125%
HK$126,612
baseline
▲ 0.50% · 4.625%
HK$133,286
+HK$6,674/mo
Deposit HK$2.63M · loan HK$23.68M · min. income ≈ HK$253,224/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,118,050 · Scale 2, in force from 26 Feb 2026)