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$60,177
−HK$3,774/mo
▼ 0.25% · 3.875%
HK$62,049
−HK$1,902/mo
Today · 4.125%
HK$63,951
baseline
▲ 0.50% · 4.625%
HK$67,842
+HK$3,891/mo
Deposit HK$13.20M · loan HK$13.20M · min. income ≈ HK$127,902/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,121,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,946
−HK$3,617/mo
▼ 0.25% · 3.875%
HK$68,742
−HK$1,821/mo
Today · 4.125%
HK$70,563
baseline
▲ 0.50% · 4.625%
HK$74,283
+HK$3,720/mo
Deposit HK$13.20M · loan HK$13.20M · min. income ≈ HK$141,126/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,121,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,213
−HK$4,528/mo
▼ 0.25% · 3.875%
HK$74,459
−HK$2,282/mo
Today · 4.125%
HK$76,741
baseline
▲ 0.50% · 4.625%
HK$81,410
+HK$4,669/mo
Deposit HK$10.56M · loan HK$15.83M · min. income ≈ HK$153,482/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,121,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,336
−HK$4,340/mo
▼ 0.25% · 3.875%
HK$82,490
−HK$2,186/mo
Today · 4.125%
HK$84,676
baseline
▲ 0.50% · 4.625%
HK$89,139
+HK$4,463/mo
Deposit HK$10.56M · loan HK$15.83M · min. income ≈ HK$169,352/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,121,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,248
−HK$5,283/mo
▼ 0.25% · 3.875%
HK$86,869
−HK$2,662/mo
Today · 4.125%
HK$89,531
baseline
▲ 0.50% · 4.625%
HK$94,979
+HK$5,448/mo
Deposit HK$7.92M · loan HK$18.47M · min. income ≈ HK$179,062/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,121,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,725
−HK$5,064/mo
▼ 0.25% · 3.875%
HK$96,239
−HK$2,550/mo
Today · 4.125%
HK$98,789
baseline
▲ 0.50% · 4.625%
HK$103,996
+HK$5,207/mo
Deposit HK$7.92M · loan HK$18.47M · min. income ≈ HK$197,578/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,121,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,319
−HK$6,792/mo
▼ 0.25% · 3.875%
HK$111,688
−HK$3,423/mo
Today · 4.125%
HK$115,111
baseline
▲ 0.50% · 4.625%
HK$122,116
+HK$7,005/mo
Deposit HK$2.64M · loan HK$23.75M · min. income ≈ HK$230,222/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,504
−HK$6,510/mo
▼ 0.25% · 3.875%
HK$123,735
−HK$3,279/mo
Today · 4.125%
HK$127,014
baseline
▲ 0.50% · 4.625%
HK$133,709
+HK$6,695/mo
Deposit HK$2.64M · loan HK$23.75M · min. income ≈ HK$254,028/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,597 · Scale 2, in force from 26 Feb 2026)