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$60,092
−HK$3,769/mo
▼ 0.25% · 3.875%
HK$61,961
−HK$1,900/mo
Today · 4.125%
HK$63,861
baseline
▲ 0.50% · 4.625%
HK$67,746
+HK$3,885/mo
Deposit HK$13.18M · loan HK$13.18M · min. income ≈ HK$127,722/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,120,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,852
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$68,645
−HK$1,819/mo
Today · 4.125%
HK$70,464
baseline
▲ 0.50% · 4.625%
HK$74,178
+HK$3,714/mo
Deposit HK$13.18M · loan HK$13.18M · min. income ≈ HK$140,928/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,120,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,111
−HK$4,522/mo
▼ 0.25% · 3.875%
HK$74,354
−HK$2,279/mo
Today · 4.125%
HK$76,633
baseline
▲ 0.50% · 4.625%
HK$81,296
+HK$4,663/mo
Deposit HK$10.54M · loan HK$15.81M · min. income ≈ HK$153,266/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,120,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,222
−HK$4,335/mo
▼ 0.25% · 3.875%
HK$82,374
−HK$2,183/mo
Today · 4.125%
HK$84,557
baseline
▲ 0.50% · 4.625%
HK$89,014
+HK$4,457/mo
Deposit HK$10.54M · loan HK$15.81M · min. income ≈ HK$169,114/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,120,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,129
−HK$5,276/mo
▼ 0.25% · 3.875%
HK$86,746
−HK$2,659/mo
Today · 4.125%
HK$89,405
baseline
▲ 0.50% · 4.625%
HK$94,845
+HK$5,440/mo
Deposit HK$7.91M · loan HK$18.45M · min. income ≈ HK$178,810/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,593
−HK$5,056/mo
▼ 0.25% · 3.875%
HK$96,103
−HK$2,546/mo
Today · 4.125%
HK$98,649
baseline
▲ 0.50% · 4.625%
HK$103,849
+HK$5,200/mo
Deposit HK$7.91M · loan HK$18.45M · min. income ≈ HK$197,298/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,166
−HK$6,783/mo
▼ 0.25% · 3.875%
HK$111,531
−HK$3,418/mo
Today · 4.125%
HK$114,949
baseline
▲ 0.50% · 4.625%
HK$121,943
+HK$6,994/mo
Deposit HK$2.64M · loan HK$23.72M · min. income ≈ HK$229,898/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,334
−HK$6,501/mo
▼ 0.25% · 3.875%
HK$123,561
−HK$3,274/mo
Today · 4.125%
HK$126,835
baseline
▲ 0.50% · 4.625%
HK$133,520
+HK$6,685/mo
Deposit HK$2.64M · loan HK$23.72M · min. income ≈ HK$253,670/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,014 · Scale 2, in force from 26 Feb 2026)