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$59,975
−HK$3,761/mo
▼ 0.25% · 3.875%
HK$61,841
−HK$1,895/mo
Today · 4.125%
HK$63,736
baseline
▲ 0.50% · 4.625%
HK$67,614
+HK$3,878/mo
Deposit HK$13.15M · loan HK$13.15M · min. income ≈ HK$127,472/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,117,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,722
−HK$3,605/mo
▼ 0.25% · 3.875%
HK$68,511
−HK$1,816/mo
Today · 4.125%
HK$70,327
baseline
▲ 0.50% · 4.625%
HK$74,034
+HK$3,707/mo
Deposit HK$13.15M · loan HK$13.15M · min. income ≈ HK$140,654/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,117,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,970
−HK$4,513/mo
▼ 0.25% · 3.875%
HK$74,209
−HK$2,274/mo
Today · 4.125%
HK$76,483
baseline
▲ 0.50% · 4.625%
HK$81,137
+HK$4,654/mo
Deposit HK$10.52M · loan HK$15.78M · min. income ≈ HK$152,966/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,117,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,066
−HK$4,326/mo
▼ 0.25% · 3.875%
HK$82,213
−HK$2,179/mo
Today · 4.125%
HK$84,392
baseline
▲ 0.50% · 4.625%
HK$88,840
+HK$4,448/mo
Deposit HK$10.52M · loan HK$15.78M · min. income ≈ HK$168,784/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,117,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,965
−HK$5,266/mo
▼ 0.25% · 3.875%
HK$86,577
−HK$2,654/mo
Today · 4.125%
HK$89,231
baseline
▲ 0.50% · 4.625%
HK$94,660
+HK$5,429/mo
Deposit HK$7.89M · loan HK$18.41M · min. income ≈ HK$178,462/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,117,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,410
−HK$5,047/mo
▼ 0.25% · 3.875%
HK$95,916
−HK$2,541/mo
Today · 4.125%
HK$98,457
baseline
▲ 0.50% · 4.625%
HK$103,647
+HK$5,190/mo
Deposit HK$7.89M · loan HK$18.41M · min. income ≈ HK$196,914/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,117,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,955
−HK$6,770/mo
▼ 0.25% · 3.875%
HK$111,313
−HK$3,412/mo
Today · 4.125%
HK$114,725
baseline
▲ 0.50% · 4.625%
HK$121,706
+HK$6,981/mo
Deposit HK$2.63M · loan HK$23.67M · min. income ≈ HK$229,450/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,117,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,099
−HK$6,489/mo
▼ 0.25% · 3.875%
HK$123,320
−HK$3,268/mo
Today · 4.125%
HK$126,588
baseline
▲ 0.50% · 4.625%
HK$133,260
+HK$6,672/mo
Deposit HK$2.63M · loan HK$23.67M · min. income ≈ HK$253,176/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,117,833 · Scale 2, in force from 26 Feb 2026)