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$59,973
−HK$3,761/mo
▼ 0.25% · 3.875%
HK$61,839
−HK$1,895/mo
Today · 4.125%
HK$63,734
baseline
▲ 0.50% · 4.625%
HK$67,612
+HK$3,878/mo
Deposit HK$13.15M · loan HK$13.15M · min. income ≈ HK$127,468/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,117,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,720
−HK$3,605/mo
▼ 0.25% · 3.875%
HK$68,509
−HK$1,816/mo
Today · 4.125%
HK$70,325
baseline
▲ 0.50% · 4.625%
HK$74,031
+HK$3,706/mo
Deposit HK$13.15M · loan HK$13.15M · min. income ≈ HK$140,650/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,117,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,968
−HK$4,513/mo
▼ 0.25% · 3.875%
HK$74,207
−HK$2,274/mo
Today · 4.125%
HK$76,481
baseline
▲ 0.50% · 4.625%
HK$81,135
+HK$4,654/mo
Deposit HK$10.52M · loan HK$15.78M · min. income ≈ HK$152,962/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,117,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,064
−HK$4,325/mo
▼ 0.25% · 3.875%
HK$82,211
−HK$2,178/mo
Today · 4.125%
HK$84,389
baseline
▲ 0.50% · 4.625%
HK$88,838
+HK$4,449/mo
Deposit HK$10.52M · loan HK$15.78M · min. income ≈ HK$168,778/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,117,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,963
−HK$5,265/mo
▼ 0.25% · 3.875%
HK$86,575
−HK$2,653/mo
Today · 4.125%
HK$89,228
baseline
▲ 0.50% · 4.625%
HK$94,657
+HK$5,429/mo
Deposit HK$7.89M · loan HK$18.41M · min. income ≈ HK$178,456/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,117,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,408
−HK$5,046/mo
▼ 0.25% · 3.875%
HK$95,913
−HK$2,541/mo
Today · 4.125%
HK$98,454
baseline
▲ 0.50% · 4.625%
HK$103,644
+HK$5,190/mo
Deposit HK$7.89M · loan HK$18.41M · min. income ≈ HK$196,908/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,117,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,952
−HK$6,770/mo
▼ 0.25% · 3.875%
HK$111,310
−HK$3,412/mo
Today · 4.125%
HK$114,722
baseline
▲ 0.50% · 4.625%
HK$121,702
+HK$6,980/mo
Deposit HK$2.63M · loan HK$23.67M · min. income ≈ HK$229,444/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,117,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,096
−HK$6,488/mo
▼ 0.25% · 3.875%
HK$123,317
−HK$3,267/mo
Today · 4.125%
HK$126,584
baseline
▲ 0.50% · 4.625%
HK$133,257
+HK$6,673/mo
Deposit HK$2.63M · loan HK$23.67M · min. income ≈ HK$253,168/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,117,801 · Scale 2, in force from 26 Feb 2026)