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$59,863
−HK$3,754/mo
▼ 0.25% · 3.875%
HK$61,725
−HK$1,892/mo
Today · 4.125%
HK$63,617
baseline
▲ 0.50% · 4.625%
HK$67,488
+HK$3,871/mo
Deposit HK$13.13M · loan HK$13.13M · min. income ≈ HK$127,234/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,115,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,597
−HK$3,598/mo
▼ 0.25% · 3.875%
HK$68,383
−HK$1,812/mo
Today · 4.125%
HK$70,195
baseline
▲ 0.50% · 4.625%
HK$73,895
+HK$3,700/mo
Deposit HK$13.13M · loan HK$13.13M · min. income ≈ HK$140,390/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,115,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,836
−HK$4,504/mo
▼ 0.25% · 3.875%
HK$74,070
−HK$2,270/mo
Today · 4.125%
HK$76,340
baseline
▲ 0.50% · 4.625%
HK$80,986
+HK$4,646/mo
Deposit HK$10.50M · loan HK$15.75M · min. income ≈ HK$152,680/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,115,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,917
−HK$4,317/mo
▼ 0.25% · 3.875%
HK$82,060
−HK$2,174/mo
Today · 4.125%
HK$84,234
baseline
▲ 0.50% · 4.625%
HK$88,674
+HK$4,440/mo
Deposit HK$10.50M · loan HK$15.75M · min. income ≈ HK$168,468/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,115,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,808
−HK$5,256/mo
▼ 0.25% · 3.875%
HK$86,415
−HK$2,649/mo
Today · 4.125%
HK$89,064
baseline
▲ 0.50% · 4.625%
HK$94,483
+HK$5,419/mo
Deposit HK$7.88M · loan HK$18.38M · min. income ≈ HK$178,128/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,236
−HK$5,037/mo
▼ 0.25% · 3.875%
HK$95,736
−HK$2,537/mo
Today · 4.125%
HK$98,273
baseline
▲ 0.50% · 4.625%
HK$103,453
+HK$5,180/mo
Deposit HK$7.88M · loan HK$18.38M · min. income ≈ HK$196,546/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,754
−HK$6,757/mo
▼ 0.25% · 3.875%
HK$111,105
−HK$3,406/mo
Today · 4.125%
HK$114,511
baseline
▲ 0.50% · 4.625%
HK$121,478
+HK$6,967/mo
Deposit HK$2.63M · loan HK$23.63M · min. income ≈ HK$229,022/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,875
−HK$6,476/mo
▼ 0.25% · 3.875%
HK$123,090
−HK$3,261/mo
Today · 4.125%
HK$126,351
baseline
▲ 0.50% · 4.625%
HK$133,011
+HK$6,660/mo
Deposit HK$2.63M · loan HK$23.63M · min. income ≈ HK$252,702/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,744 · Scale 2, in force from 26 Feb 2026)