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$59,957
−HK$3,760/mo
▼ 0.25% · 3.875%
HK$61,822
−HK$1,895/mo
Today · 4.125%
HK$63,717
baseline
▲ 0.50% · 4.625%
HK$67,594
+HK$3,877/mo
Deposit HK$13.15M · loan HK$13.15M · min. income ≈ HK$127,434/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,117,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,702
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$68,491
−HK$1,814/mo
Today · 4.125%
HK$70,305
baseline
▲ 0.50% · 4.625%
HK$74,011
+HK$3,706/mo
Deposit HK$13.15M · loan HK$13.15M · min. income ≈ HK$140,610/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,117,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,948
−HK$4,512/mo
▼ 0.25% · 3.875%
HK$74,186
−HK$2,274/mo
Today · 4.125%
HK$76,460
baseline
▲ 0.50% · 4.625%
HK$81,113
+HK$4,653/mo
Deposit HK$10.52M · loan HK$15.78M · min. income ≈ HK$152,920/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,117,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,042
−HK$4,324/mo
▼ 0.25% · 3.875%
HK$82,189
−HK$2,177/mo
Today · 4.125%
HK$84,366
baseline
▲ 0.50% · 4.625%
HK$88,813
+HK$4,447/mo
Deposit HK$10.52M · loan HK$15.78M · min. income ≈ HK$168,732/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,117,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,940
−HK$5,264/mo
▼ 0.25% · 3.875%
HK$86,551
−HK$2,653/mo
Today · 4.125%
HK$89,204
baseline
▲ 0.50% · 4.625%
HK$94,632
+HK$5,428/mo
Deposit HK$7.89M · loan HK$18.41M · min. income ≈ HK$178,408/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,117,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,382
−HK$5,045/mo
▼ 0.25% · 3.875%
HK$95,887
−HK$2,540/mo
Today · 4.125%
HK$98,427
baseline
▲ 0.50% · 4.625%
HK$103,616
+HK$5,189/mo
Deposit HK$7.89M · loan HK$18.41M · min. income ≈ HK$196,854/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,117,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,923
−HK$6,767/mo
▼ 0.25% · 3.875%
HK$111,280
−HK$3,410/mo
Today · 4.125%
HK$114,690
baseline
▲ 0.50% · 4.625%
HK$121,669
+HK$6,979/mo
Deposit HK$2.63M · loan HK$23.66M · min. income ≈ HK$229,380/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,117,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,063
−HK$6,487/mo
▼ 0.25% · 3.875%
HK$123,283
−HK$3,267/mo
Today · 4.125%
HK$126,550
baseline
▲ 0.50% · 4.625%
HK$133,220
+HK$6,670/mo
Deposit HK$2.63M · loan HK$23.66M · min. income ≈ HK$253,100/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,117,496 · Scale 2, in force from 26 Feb 2026)