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$60,078
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$61,947
−HK$1,898/mo
Today · 4.125%
HK$63,845
baseline
▲ 0.50% · 4.625%
HK$67,730
+HK$3,885/mo
Deposit HK$13.17M · loan HK$13.17M · min. income ≈ HK$127,690/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,119,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,836
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$68,629
−HK$1,818/mo
Today · 4.125%
HK$70,447
baseline
▲ 0.50% · 4.625%
HK$74,161
+HK$3,714/mo
Deposit HK$13.17M · loan HK$13.17M · min. income ≈ HK$140,894/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,119,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,094
−HK$4,521/mo
▼ 0.25% · 3.875%
HK$74,336
−HK$2,279/mo
Today · 4.125%
HK$76,615
baseline
▲ 0.50% · 4.625%
HK$81,276
+HK$4,661/mo
Deposit HK$10.54M · loan HK$15.81M · min. income ≈ HK$153,230/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,119,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,203
−HK$4,334/mo
▼ 0.25% · 3.875%
HK$82,355
−HK$2,182/mo
Today · 4.125%
HK$84,537
baseline
▲ 0.50% · 4.625%
HK$88,993
+HK$4,456/mo
Deposit HK$10.54M · loan HK$15.81M · min. income ≈ HK$169,074/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,119,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,109
−HK$5,275/mo
▼ 0.25% · 3.875%
HK$86,726
−HK$2,658/mo
Today · 4.125%
HK$89,384
baseline
▲ 0.50% · 4.625%
HK$94,822
+HK$5,438/mo
Deposit HK$7.90M · loan HK$18.44M · min. income ≈ HK$178,768/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,119,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,571
−HK$5,055/mo
▼ 0.25% · 3.875%
HK$96,080
−HK$2,546/mo
Today · 4.125%
HK$98,626
baseline
▲ 0.50% · 4.625%
HK$103,825
+HK$5,199/mo
Deposit HK$7.90M · loan HK$18.44M · min. income ≈ HK$197,252/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,119,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,141
−HK$6,781/mo
▼ 0.25% · 3.875%
HK$111,504
−HK$3,418/mo
Today · 4.125%
HK$114,922
baseline
▲ 0.50% · 4.625%
HK$121,915
+HK$6,993/mo
Deposit HK$2.63M · loan HK$23.71M · min. income ≈ HK$229,844/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,119,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,305
−HK$6,500/mo
▼ 0.25% · 3.875%
HK$123,532
−HK$3,273/mo
Today · 4.125%
HK$126,805
baseline
▲ 0.50% · 4.625%
HK$133,489
+HK$6,684/mo
Deposit HK$2.63M · loan HK$23.71M · min. income ≈ HK$253,610/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,119,751 · Scale 2, in force from 26 Feb 2026)