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$60,181
−HK$3,774/mo
▼ 0.25% · 3.875%
HK$62,053
−HK$1,902/mo
Today · 4.125%
HK$63,955
baseline
▲ 0.50% · 4.625%
HK$67,846
+HK$3,891/mo
Deposit HK$13.20M · loan HK$13.20M · min. income ≈ HK$127,910/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,121,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,951
−HK$3,617/mo
▼ 0.25% · 3.875%
HK$68,746
−HK$1,822/mo
Today · 4.125%
HK$70,568
baseline
▲ 0.50% · 4.625%
HK$74,288
+HK$3,720/mo
Deposit HK$13.20M · loan HK$13.20M · min. income ≈ HK$141,136/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,121,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,217
−HK$4,529/mo
▼ 0.25% · 3.875%
HK$74,464
−HK$2,282/mo
Today · 4.125%
HK$76,746
baseline
▲ 0.50% · 4.625%
HK$81,416
+HK$4,670/mo
Deposit HK$10.56M · loan HK$15.84M · min. income ≈ HK$153,492/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,121,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,341
−HK$4,340/mo
▼ 0.25% · 3.875%
HK$82,496
−HK$2,185/mo
Today · 4.125%
HK$84,681
baseline
▲ 0.50% · 4.625%
HK$89,145
+HK$4,464/mo
Deposit HK$10.56M · loan HK$15.84M · min. income ≈ HK$169,362/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,121,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,253
−HK$5,284/mo
▼ 0.25% · 3.875%
HK$86,874
−HK$2,663/mo
Today · 4.125%
HK$89,537
baseline
▲ 0.50% · 4.625%
HK$94,985
+HK$5,448/mo
Deposit HK$7.92M · loan HK$18.47M · min. income ≈ HK$179,074/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,121,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,731
−HK$5,064/mo
▼ 0.25% · 3.875%
HK$96,245
−HK$2,550/mo
Today · 4.125%
HK$98,795
baseline
▲ 0.50% · 4.625%
HK$104,003
+HK$5,208/mo
Deposit HK$7.92M · loan HK$18.47M · min. income ≈ HK$197,590/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,121,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,326
−HK$6,793/mo
▼ 0.25% · 3.875%
HK$111,695
−HK$3,424/mo
Today · 4.125%
HK$115,119
baseline
▲ 0.50% · 4.625%
HK$122,123
+HK$7,004/mo
Deposit HK$2.64M · loan HK$23.75M · min. income ≈ HK$230,238/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,511
−HK$6,511/mo
▼ 0.25% · 3.875%
HK$123,743
−HK$3,279/mo
Today · 4.125%
HK$127,022
baseline
▲ 0.50% · 4.625%
HK$133,718
+HK$6,696/mo
Deposit HK$2.64M · loan HK$23.75M · min. income ≈ HK$254,044/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,669 · Scale 2, in force from 26 Feb 2026)