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$60,160
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$62,031
−HK$1,902/mo
Today · 4.125%
HK$63,933
baseline
▲ 0.50% · 4.625%
HK$67,823
+HK$3,890/mo
Deposit HK$13.19M · loan HK$13.19M · min. income ≈ HK$127,866/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,121,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,927
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$68,722
−HK$1,821/mo
Today · 4.125%
HK$70,543
baseline
▲ 0.50% · 4.625%
HK$74,262
+HK$3,719/mo
Deposit HK$13.19M · loan HK$13.19M · min. income ≈ HK$141,086/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,121,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,192
−HK$4,527/mo
▼ 0.25% · 3.875%
HK$74,438
−HK$2,281/mo
Today · 4.125%
HK$76,719
baseline
▲ 0.50% · 4.625%
HK$81,387
+HK$4,668/mo
Deposit HK$10.55M · loan HK$15.83M · min. income ≈ HK$153,438/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,121,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,313
−HK$4,339/mo
▼ 0.25% · 3.875%
HK$82,467
−HK$2,185/mo
Today · 4.125%
HK$84,652
baseline
▲ 0.50% · 4.625%
HK$89,114
+HK$4,462/mo
Deposit HK$10.55M · loan HK$15.83M · min. income ≈ HK$169,304/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,121,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,224
−HK$5,282/mo
▼ 0.25% · 3.875%
HK$86,844
−HK$2,662/mo
Today · 4.125%
HK$89,506
baseline
▲ 0.50% · 4.625%
HK$94,952
+HK$5,446/mo
Deposit HK$7.91M · loan HK$18.47M · min. income ≈ HK$179,012/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,121,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,698
−HK$5,063/mo
▼ 0.25% · 3.875%
HK$96,211
−HK$2,550/mo
Today · 4.125%
HK$98,761
baseline
▲ 0.50% · 4.625%
HK$103,966
+HK$5,205/mo
Deposit HK$7.91M · loan HK$18.47M · min. income ≈ HK$197,522/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,121,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,288
−HK$6,791/mo
▼ 0.25% · 3.875%
HK$111,656
−HK$3,423/mo
Today · 4.125%
HK$115,079
baseline
▲ 0.50% · 4.625%
HK$122,081
+HK$7,002/mo
Deposit HK$2.64M · loan HK$23.74M · min. income ≈ HK$230,158/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,469
−HK$6,509/mo
▼ 0.25% · 3.875%
HK$123,700
−HK$3,278/mo
Today · 4.125%
HK$126,978
baseline
▲ 0.50% · 4.625%
HK$133,671
+HK$6,693/mo
Deposit HK$2.64M · loan HK$23.74M · min. income ≈ HK$253,956/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,278 · Scale 2, in force from 26 Feb 2026)