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$60,211
−HK$3,776/mo
▼ 0.25% · 3.875%
HK$62,084
−HK$1,903/mo
Today · 4.125%
HK$63,987
baseline
▲ 0.50% · 4.625%
HK$67,881
+HK$3,894/mo
Deposit HK$13.20M · loan HK$13.20M · min. income ≈ HK$127,974/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,122,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,984
−HK$3,619/mo
▼ 0.25% · 3.875%
HK$68,781
−HK$1,822/mo
Today · 4.125%
HK$70,603
baseline
▲ 0.50% · 4.625%
HK$74,325
+HK$3,722/mo
Deposit HK$13.20M · loan HK$13.20M · min. income ≈ HK$141,206/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,122,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,254
−HK$4,530/mo
▼ 0.25% · 3.875%
HK$74,501
−HK$2,283/mo
Today · 4.125%
HK$76,784
baseline
▲ 0.50% · 4.625%
HK$81,457
+HK$4,673/mo
Deposit HK$10.56M · loan HK$15.84M · min. income ≈ HK$153,568/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,122,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,381
−HK$4,343/mo
▼ 0.25% · 3.875%
HK$82,537
−HK$2,187/mo
Today · 4.125%
HK$84,724
baseline
▲ 0.50% · 4.625%
HK$89,190
+HK$4,466/mo
Deposit HK$10.56M · loan HK$15.84M · min. income ≈ HK$169,448/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,122,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,296
−HK$5,286/mo
▼ 0.25% · 3.875%
HK$86,918
−HK$2,664/mo
Today · 4.125%
HK$89,582
baseline
▲ 0.50% · 4.625%
HK$95,033
+HK$5,451/mo
Deposit HK$7.92M · loan HK$18.48M · min. income ≈ HK$179,164/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,122,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,778
−HK$5,067/mo
▼ 0.25% · 3.875%
HK$96,293
−HK$2,552/mo
Today · 4.125%
HK$98,845
baseline
▲ 0.50% · 4.625%
HK$104,055
+HK$5,210/mo
Deposit HK$7.92M · loan HK$18.48M · min. income ≈ HK$197,690/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,122,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,380
−HK$6,797/mo
▼ 0.25% · 3.875%
HK$111,752
−HK$3,425/mo
Today · 4.125%
HK$115,177
baseline
▲ 0.50% · 4.625%
HK$122,185
+HK$7,008/mo
Deposit HK$2.64M · loan HK$23.76M · min. income ≈ HK$230,354/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,572
−HK$6,514/mo
▼ 0.25% · 3.875%
HK$123,806
−HK$3,280/mo
Today · 4.125%
HK$127,086
baseline
▲ 0.50% · 4.625%
HK$133,785
+HK$6,699/mo
Deposit HK$2.64M · loan HK$23.76M · min. income ≈ HK$254,172/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,122,234 · Scale 2, in force from 26 Feb 2026)