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$60,095
−HK$3,768/mo
▼ 0.25% · 3.875%
HK$61,964
−HK$1,899/mo
Today · 4.125%
HK$63,863
baseline
▲ 0.50% · 4.625%
HK$67,749
+HK$3,886/mo
Deposit HK$13.18M · loan HK$13.18M · min. income ≈ HK$127,726/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,120,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,855
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$68,648
−HK$1,819/mo
Today · 4.125%
HK$70,467
baseline
▲ 0.50% · 4.625%
HK$74,181
+HK$3,714/mo
Deposit HK$13.18M · loan HK$13.18M · min. income ≈ HK$140,934/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,120,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,114
−HK$4,522/mo
▼ 0.25% · 3.875%
HK$74,357
−HK$2,279/mo
Today · 4.125%
HK$76,636
baseline
▲ 0.50% · 4.625%
HK$81,299
+HK$4,663/mo
Deposit HK$10.54M · loan HK$15.81M · min. income ≈ HK$153,272/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,120,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,226
−HK$4,334/mo
▼ 0.25% · 3.875%
HK$82,378
−HK$2,182/mo
Today · 4.125%
HK$84,560
baseline
▲ 0.50% · 4.625%
HK$89,018
+HK$4,458/mo
Deposit HK$10.54M · loan HK$15.81M · min. income ≈ HK$169,120/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,120,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,133
−HK$5,276/mo
▼ 0.25% · 3.875%
HK$86,750
−HK$2,659/mo
Today · 4.125%
HK$89,409
baseline
▲ 0.50% · 4.625%
HK$94,849
+HK$5,440/mo
Deposit HK$7.91M · loan HK$18.45M · min. income ≈ HK$178,818/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,597
−HK$5,057/mo
▼ 0.25% · 3.875%
HK$96,107
−HK$2,547/mo
Today · 4.125%
HK$98,654
baseline
▲ 0.50% · 4.625%
HK$103,854
+HK$5,200/mo
Deposit HK$7.91M · loan HK$18.45M · min. income ≈ HK$197,308/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,171
−HK$6,783/mo
▼ 0.25% · 3.875%
HK$111,536
−HK$3,418/mo
Today · 4.125%
HK$114,954
baseline
▲ 0.50% · 4.625%
HK$121,949
+HK$6,995/mo
Deposit HK$2.64M · loan HK$23.72M · min. income ≈ HK$229,908/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,339
−HK$6,502/mo
▼ 0.25% · 3.875%
HK$123,567
−HK$3,274/mo
Today · 4.125%
HK$126,841
baseline
▲ 0.50% · 4.625%
HK$133,527
+HK$6,686/mo
Deposit HK$2.64M · loan HK$23.72M · min. income ≈ HK$253,682/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,066 · Scale 2, in force from 26 Feb 2026)