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$60,070
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$61,939
−HK$1,898/mo
Today · 4.125%
HK$63,837
baseline
▲ 0.50% · 4.625%
HK$67,721
+HK$3,884/mo
Deposit HK$13.17M · loan HK$13.17M · min. income ≈ HK$127,674/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,119,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,828
−HK$3,610/mo
▼ 0.25% · 3.875%
HK$68,620
−HK$1,818/mo
Today · 4.125%
HK$70,438
baseline
▲ 0.50% · 4.625%
HK$74,151
+HK$3,713/mo
Deposit HK$13.17M · loan HK$13.17M · min. income ≈ HK$140,876/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,119,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,084
−HK$4,521/mo
▼ 0.25% · 3.875%
HK$74,326
−HK$2,279/mo
Today · 4.125%
HK$76,605
baseline
▲ 0.50% · 4.625%
HK$81,266
+HK$4,661/mo
Deposit HK$10.54M · loan HK$15.81M · min. income ≈ HK$153,210/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,119,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,193
−HK$4,333/mo
▼ 0.25% · 3.875%
HK$82,344
−HK$2,182/mo
Today · 4.125%
HK$84,526
baseline
▲ 0.50% · 4.625%
HK$88,981
+HK$4,455/mo
Deposit HK$10.54M · loan HK$15.81M · min. income ≈ HK$169,052/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,119,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,098
−HK$5,274/mo
▼ 0.25% · 3.875%
HK$86,714
−HK$2,658/mo
Today · 4.125%
HK$89,372
baseline
▲ 0.50% · 4.625%
HK$94,810
+HK$5,438/mo
Deposit HK$7.90M · loan HK$18.44M · min. income ≈ HK$178,744/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,119,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,559
−HK$5,054/mo
▼ 0.25% · 3.875%
HK$96,068
−HK$2,545/mo
Today · 4.125%
HK$98,613
baseline
▲ 0.50% · 4.625%
HK$103,811
+HK$5,198/mo
Deposit HK$7.90M · loan HK$18.44M · min. income ≈ HK$197,226/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,119,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,126
−HK$6,781/mo
▼ 0.25% · 3.875%
HK$111,490
−HK$3,417/mo
Today · 4.125%
HK$114,907
baseline
▲ 0.50% · 4.625%
HK$121,899
+HK$6,992/mo
Deposit HK$2.63M · loan HK$23.71M · min. income ≈ HK$229,814/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,119,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,290
−HK$6,498/mo
▼ 0.25% · 3.875%
HK$123,516
−HK$3,272/mo
Today · 4.125%
HK$126,788
baseline
▲ 0.50% · 4.625%
HK$133,472
+HK$6,684/mo
Deposit HK$2.63M · loan HK$23.71M · min. income ≈ HK$253,576/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,119,605 · Scale 2, in force from 26 Feb 2026)