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$60,194
−HK$3,774/mo
▼ 0.25% · 3.875%
HK$62,066
−HK$1,902/mo
Today · 4.125%
HK$63,968
baseline
▲ 0.50% · 4.625%
HK$67,861
+HK$3,893/mo
Deposit HK$13.20M · loan HK$13.20M · min. income ≈ HK$127,936/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,121,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,965
−HK$3,618/mo
▼ 0.25% · 3.875%
HK$68,761
−HK$1,822/mo
Today · 4.125%
HK$70,583
baseline
▲ 0.50% · 4.625%
HK$74,303
+HK$3,720/mo
Deposit HK$13.20M · loan HK$13.20M · min. income ≈ HK$141,166/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,121,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,232
−HK$4,530/mo
▼ 0.25% · 3.875%
HK$74,479
−HK$2,283/mo
Today · 4.125%
HK$76,762
baseline
▲ 0.50% · 4.625%
HK$81,433
+HK$4,671/mo
Deposit HK$10.56M · loan HK$15.84M · min. income ≈ HK$153,524/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,121,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,358
−HK$4,341/mo
▼ 0.25% · 3.875%
HK$82,513
−HK$2,186/mo
Today · 4.125%
HK$84,699
baseline
▲ 0.50% · 4.625%
HK$89,164
+HK$4,465/mo
Deposit HK$10.56M · loan HK$15.84M · min. income ≈ HK$169,398/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,121,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,271
−HK$5,285/mo
▼ 0.25% · 3.875%
HK$86,893
−HK$2,663/mo
Today · 4.125%
HK$89,556
baseline
▲ 0.50% · 4.625%
HK$95,005
+HK$5,449/mo
Deposit HK$7.92M · loan HK$18.48M · min. income ≈ HK$179,112/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,121,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,751
−HK$5,065/mo
▼ 0.25% · 3.875%
HK$96,265
−HK$2,551/mo
Today · 4.125%
HK$98,816
baseline
▲ 0.50% · 4.625%
HK$104,025
+HK$5,209/mo
Deposit HK$7.92M · loan HK$18.48M · min. income ≈ HK$197,632/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,121,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,349
−HK$6,794/mo
▼ 0.25% · 3.875%
HK$111,719
−HK$3,424/mo
Today · 4.125%
HK$115,143
baseline
▲ 0.50% · 4.625%
HK$122,149
+HK$7,006/mo
Deposit HK$2.64M · loan HK$23.76M · min. income ≈ HK$230,286/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,537
−HK$6,512/mo
▼ 0.25% · 3.875%
HK$123,770
−HK$3,279/mo
Today · 4.125%
HK$127,049
baseline
▲ 0.50% · 4.625%
HK$133,746
+HK$6,697/mo
Deposit HK$2.64M · loan HK$23.76M · min. income ≈ HK$254,098/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,906 · Scale 2, in force from 26 Feb 2026)