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$60,008
−HK$3,763/mo
▼ 0.25% · 3.875%
HK$61,874
−HK$1,897/mo
Today · 4.125%
HK$63,771
baseline
▲ 0.50% · 4.625%
HK$67,651
+HK$3,880/mo
Deposit HK$13.16M · loan HK$13.16M · min. income ≈ HK$127,542/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,118,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,758
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$68,548
−HK$1,817/mo
Today · 4.125%
HK$70,365
baseline
▲ 0.50% · 4.625%
HK$74,074
+HK$3,709/mo
Deposit HK$13.16M · loan HK$13.16M · min. income ≈ HK$140,730/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,118,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,009
−HK$4,516/mo
▼ 0.25% · 3.875%
HK$74,249
−HK$2,276/mo
Today · 4.125%
HK$76,525
baseline
▲ 0.50% · 4.625%
HK$81,181
+HK$4,656/mo
Deposit HK$10.53M · loan HK$15.79M · min. income ≈ HK$153,050/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,118,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,110
−HK$4,328/mo
▼ 0.25% · 3.875%
HK$82,258
−HK$2,180/mo
Today · 4.125%
HK$84,438
baseline
▲ 0.50% · 4.625%
HK$88,888
+HK$4,450/mo
Deposit HK$10.53M · loan HK$15.79M · min. income ≈ HK$168,876/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,118,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,011
−HK$5,268/mo
▼ 0.25% · 3.875%
HK$86,624
−HK$2,655/mo
Today · 4.125%
HK$89,279
baseline
▲ 0.50% · 4.625%
HK$94,711
+HK$5,432/mo
Deposit HK$7.89M · loan HK$18.42M · min. income ≈ HK$178,558/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,118,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,461
−HK$5,050/mo
▼ 0.25% · 3.875%
HK$95,968
−HK$2,543/mo
Today · 4.125%
HK$98,511
baseline
▲ 0.50% · 4.625%
HK$103,703
+HK$5,192/mo
Deposit HK$7.89M · loan HK$18.42M · min. income ≈ HK$197,022/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,118,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,014
−HK$6,773/mo
▼ 0.25% · 3.875%
HK$111,374
−HK$3,413/mo
Today · 4.125%
HK$114,787
baseline
▲ 0.50% · 4.625%
HK$121,772
+HK$6,985/mo
Deposit HK$2.63M · loan HK$23.68M · min. income ≈ HK$229,574/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,118,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,164
−HK$6,492/mo
▼ 0.25% · 3.875%
HK$123,387
−HK$3,269/mo
Today · 4.125%
HK$126,656
baseline
▲ 0.50% · 4.625%
HK$133,333
+HK$6,677/mo
Deposit HK$2.63M · loan HK$23.68M · min. income ≈ HK$253,312/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,118,439 · Scale 2, in force from 26 Feb 2026)