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$59,980
−HK$3,761/mo
▼ 0.25% · 3.875%
HK$61,845
−HK$1,896/mo
Today · 4.125%
HK$63,741
baseline
▲ 0.50% · 4.625%
HK$67,619
+HK$3,878/mo
Deposit HK$13.15M · loan HK$13.15M · min. income ≈ HK$127,482/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,117,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,727
−HK$3,605/mo
▼ 0.25% · 3.875%
HK$68,516
−HK$1,816/mo
Today · 4.125%
HK$70,332
baseline
▲ 0.50% · 4.625%
HK$74,039
+HK$3,707/mo
Deposit HK$13.15M · loan HK$13.15M · min. income ≈ HK$140,664/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,117,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,975
−HK$4,514/mo
▼ 0.25% · 3.875%
HK$74,214
−HK$2,275/mo
Today · 4.125%
HK$76,489
baseline
▲ 0.50% · 4.625%
HK$81,143
+HK$4,654/mo
Deposit HK$10.52M · loan HK$15.78M · min. income ≈ HK$152,978/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,117,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,072
−HK$4,326/mo
▼ 0.25% · 3.875%
HK$82,219
−HK$2,179/mo
Today · 4.125%
HK$84,398
baseline
▲ 0.50% · 4.625%
HK$88,847
+HK$4,449/mo
Deposit HK$10.52M · loan HK$15.78M · min. income ≈ HK$168,796/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,117,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,971
−HK$5,266/mo
▼ 0.25% · 3.875%
HK$86,583
−HK$2,654/mo
Today · 4.125%
HK$89,237
baseline
▲ 0.50% · 4.625%
HK$94,667
+HK$5,430/mo
Deposit HK$7.89M · loan HK$18.41M · min. income ≈ HK$178,474/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,117,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,417
−HK$5,047/mo
▼ 0.25% · 3.875%
HK$95,923
−HK$2,541/mo
Today · 4.125%
HK$98,464
baseline
▲ 0.50% · 4.625%
HK$103,655
+HK$5,191/mo
Deposit HK$7.89M · loan HK$18.41M · min. income ≈ HK$196,928/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,117,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,963
−HK$6,770/mo
▼ 0.25% · 3.875%
HK$111,322
−HK$3,411/mo
Today · 4.125%
HK$114,733
baseline
▲ 0.50% · 4.625%
HK$121,715
+HK$6,982/mo
Deposit HK$2.63M · loan HK$23.67M · min. income ≈ HK$229,466/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,117,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,108
−HK$6,489/mo
▼ 0.25% · 3.875%
HK$123,329
−HK$3,268/mo
Today · 4.125%
HK$126,597
baseline
▲ 0.50% · 4.625%
HK$133,270
+HK$6,673/mo
Deposit HK$2.63M · loan HK$23.67M · min. income ≈ HK$253,194/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,117,915 · Scale 2, in force from 26 Feb 2026)