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$59,577
−HK$3,736/mo
▼ 0.25% · 3.875%
HK$61,430
−HK$1,883/mo
Today · 4.125%
HK$63,313
baseline
▲ 0.50% · 4.625%
HK$67,165
+HK$3,852/mo
Deposit HK$13.06M · loan HK$13.06M · min. income ≈ HK$126,626/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,110,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,278
−HK$3,581/mo
▼ 0.25% · 3.875%
HK$68,056
−HK$1,803/mo
Today · 4.125%
HK$69,859
baseline
▲ 0.50% · 4.625%
HK$73,542
+HK$3,683/mo
Deposit HK$13.06M · loan HK$13.06M · min. income ≈ HK$139,718/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,110,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,492
−HK$4,483/mo
▼ 0.25% · 3.875%
HK$73,716
−HK$2,259/mo
Today · 4.125%
HK$75,975
baseline
▲ 0.50% · 4.625%
HK$80,598
+HK$4,623/mo
Deposit HK$10.45M · loan HK$15.68M · min. income ≈ HK$151,950/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,110,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,534
−HK$4,297/mo
▼ 0.25% · 3.875%
HK$81,667
−HK$2,164/mo
Today · 4.125%
HK$83,831
baseline
▲ 0.50% · 4.625%
HK$88,250
+HK$4,419/mo
Deposit HK$10.45M · loan HK$15.68M · min. income ≈ HK$167,662/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,110,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,407
−HK$5,231/mo
▼ 0.25% · 3.875%
HK$86,002
−HK$2,636/mo
Today · 4.125%
HK$88,638
baseline
▲ 0.50% · 4.625%
HK$94,031
+HK$5,393/mo
Deposit HK$7.84M · loan HK$18.29M · min. income ≈ HK$177,276/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,790
−HK$5,013/mo
▼ 0.25% · 3.875%
HK$95,278
−HK$2,525/mo
Today · 4.125%
HK$97,803
baseline
▲ 0.50% · 4.625%
HK$102,958
+HK$5,155/mo
Deposit HK$7.84M · loan HK$18.29M · min. income ≈ HK$195,606/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,238
−HK$6,725/mo
▼ 0.25% · 3.875%
HK$110,574
−HK$3,389/mo
Today · 4.125%
HK$113,963
baseline
▲ 0.50% · 4.625%
HK$120,897
+HK$6,934/mo
Deposit HK$2.61M · loan HK$23.51M · min. income ≈ HK$227,926/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,301
−HK$6,446/mo
▼ 0.25% · 3.875%
HK$122,501
−HK$3,246/mo
Today · 4.125%
HK$125,747
baseline
▲ 0.50% · 4.625%
HK$132,375
+HK$6,628/mo
Deposit HK$2.61M · loan HK$23.51M · min. income ≈ HK$251,494/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,405 · Scale 2, in force from 26 Feb 2026)