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$60,098
−HK$3,769/mo
▼ 0.25% · 3.875%
HK$61,967
−HK$1,900/mo
Today · 4.125%
HK$63,867
baseline
▲ 0.50% · 4.625%
HK$67,753
+HK$3,886/mo
Deposit HK$13.18M · loan HK$13.18M · min. income ≈ HK$127,734/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,120,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,858
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$68,651
−HK$1,819/mo
Today · 4.125%
HK$70,470
baseline
▲ 0.50% · 4.625%
HK$74,185
+HK$3,715/mo
Deposit HK$13.18M · loan HK$13.18M · min. income ≈ HK$140,940/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,120,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,117
−HK$4,523/mo
▼ 0.25% · 3.875%
HK$74,361
−HK$2,279/mo
Today · 4.125%
HK$76,640
baseline
▲ 0.50% · 4.625%
HK$81,303
+HK$4,663/mo
Deposit HK$10.54M · loan HK$15.81M · min. income ≈ HK$153,280/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,120,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,230
−HK$4,334/mo
▼ 0.25% · 3.875%
HK$82,382
−HK$2,182/mo
Today · 4.125%
HK$84,564
baseline
▲ 0.50% · 4.625%
HK$89,022
+HK$4,458/mo
Deposit HK$10.54M · loan HK$15.81M · min. income ≈ HK$169,128/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,120,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,137
−HK$5,276/mo
▼ 0.25% · 3.875%
HK$86,754
−HK$2,659/mo
Today · 4.125%
HK$89,413
baseline
▲ 0.50% · 4.625%
HK$94,854
+HK$5,441/mo
Deposit HK$7.91M · loan HK$18.45M · min. income ≈ HK$178,826/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,602
−HK$5,057/mo
▼ 0.25% · 3.875%
HK$96,112
−HK$2,547/mo
Today · 4.125%
HK$98,659
baseline
▲ 0.50% · 4.625%
HK$103,859
+HK$5,200/mo
Deposit HK$7.91M · loan HK$18.45M · min. income ≈ HK$197,318/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,176
−HK$6,784/mo
▼ 0.25% · 3.875%
HK$111,541
−HK$3,419/mo
Today · 4.125%
HK$114,960
baseline
▲ 0.50% · 4.625%
HK$121,955
+HK$6,995/mo
Deposit HK$2.64M · loan HK$23.72M · min. income ≈ HK$229,920/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,345
−HK$6,502/mo
▼ 0.25% · 3.875%
HK$123,572
−HK$3,275/mo
Today · 4.125%
HK$126,847
baseline
▲ 0.50% · 4.625%
HK$133,533
+HK$6,686/mo
Deposit HK$2.64M · loan HK$23.72M · min. income ≈ HK$253,694/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,120 · Scale 2, in force from 26 Feb 2026)