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$59,985
−HK$3,762/mo
▼ 0.25% · 3.875%
HK$61,851
−HK$1,896/mo
Today · 4.125%
HK$63,747
baseline
▲ 0.50% · 4.625%
HK$67,625
+HK$3,878/mo
Deposit HK$13.15M · loan HK$13.15M · min. income ≈ HK$127,494/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,118,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,733
−HK$3,605/mo
▼ 0.25% · 3.875%
HK$68,522
−HK$1,816/mo
Today · 4.125%
HK$70,338
baseline
▲ 0.50% · 4.625%
HK$74,046
+HK$3,708/mo
Deposit HK$13.15M · loan HK$13.15M · min. income ≈ HK$140,676/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,118,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,982
−HK$4,514/mo
▼ 0.25% · 3.875%
HK$74,221
−HK$2,275/mo
Today · 4.125%
HK$76,496
baseline
▲ 0.50% · 4.625%
HK$81,151
+HK$4,655/mo
Deposit HK$10.52M · loan HK$15.78M · min. income ≈ HK$152,992/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,118,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,079
−HK$4,327/mo
▼ 0.25% · 3.875%
HK$82,227
−HK$2,179/mo
Today · 4.125%
HK$84,406
baseline
▲ 0.50% · 4.625%
HK$88,855
+HK$4,449/mo
Deposit HK$10.52M · loan HK$15.78M · min. income ≈ HK$168,812/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,118,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,979
−HK$5,266/mo
▼ 0.25% · 3.875%
HK$86,591
−HK$2,654/mo
Today · 4.125%
HK$89,245
baseline
▲ 0.50% · 4.625%
HK$94,676
+HK$5,431/mo
Deposit HK$7.89M · loan HK$18.41M · min. income ≈ HK$178,490/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,118,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,426
−HK$5,047/mo
▼ 0.25% · 3.875%
HK$95,931
−HK$2,542/mo
Today · 4.125%
HK$98,473
baseline
▲ 0.50% · 4.625%
HK$103,664
+HK$5,191/mo
Deposit HK$7.89M · loan HK$18.41M · min. income ≈ HK$196,946/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,118,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,973
−HK$6,771/mo
▼ 0.25% · 3.875%
HK$111,332
−HK$3,412/mo
Today · 4.125%
HK$114,744
baseline
▲ 0.50% · 4.625%
HK$121,726
+HK$6,982/mo
Deposit HK$2.63M · loan HK$23.68M · min. income ≈ HK$229,488/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,118,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,119
−HK$6,490/mo
▼ 0.25% · 3.875%
HK$123,340
−HK$3,269/mo
Today · 4.125%
HK$126,609
baseline
▲ 0.50% · 4.625%
HK$133,282
+HK$6,673/mo
Deposit HK$2.63M · loan HK$23.68M · min. income ≈ HK$253,218/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,118,016 · Scale 2, in force from 26 Feb 2026)