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$60,173
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$62,044
−HK$1,902/mo
Today · 4.125%
HK$63,946
baseline
▲ 0.50% · 4.625%
HK$67,837
+HK$3,891/mo
Deposit HK$13.19M · loan HK$13.19M · min. income ≈ HK$127,892/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,121,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,942
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$68,737
−HK$1,821/mo
Today · 4.125%
HK$70,558
baseline
▲ 0.50% · 4.625%
HK$74,277
+HK$3,719/mo
Deposit HK$13.19M · loan HK$13.19M · min. income ≈ HK$141,116/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,121,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,207
−HK$4,528/mo
▼ 0.25% · 3.875%
HK$74,453
−HK$2,282/mo
Today · 4.125%
HK$76,735
baseline
▲ 0.50% · 4.625%
HK$81,404
+HK$4,669/mo
Deposit HK$10.56M · loan HK$15.83M · min. income ≈ HK$153,470/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,121,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,330
−HK$4,340/mo
▼ 0.25% · 3.875%
HK$82,484
−HK$2,186/mo
Today · 4.125%
HK$84,670
baseline
▲ 0.50% · 4.625%
HK$89,133
+HK$4,463/mo
Deposit HK$10.56M · loan HK$15.83M · min. income ≈ HK$169,340/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,121,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,242
−HK$5,283/mo
▼ 0.25% · 3.875%
HK$86,862
−HK$2,663/mo
Today · 4.125%
HK$89,525
baseline
▲ 0.50% · 4.625%
HK$94,972
+HK$5,447/mo
Deposit HK$7.92M · loan HK$18.47M · min. income ≈ HK$179,050/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,121,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,718
−HK$5,063/mo
▼ 0.25% · 3.875%
HK$96,232
−HK$2,549/mo
Today · 4.125%
HK$98,781
baseline
▲ 0.50% · 4.625%
HK$103,988
+HK$5,207/mo
Deposit HK$7.92M · loan HK$18.47M · min. income ≈ HK$197,562/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,121,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,311
−HK$6,792/mo
▼ 0.25% · 3.875%
HK$111,680
−HK$3,423/mo
Today · 4.125%
HK$115,103
baseline
▲ 0.50% · 4.625%
HK$122,107
+HK$7,004/mo
Deposit HK$2.64M · loan HK$23.75M · min. income ≈ HK$230,206/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,495
−HK$6,510/mo
▼ 0.25% · 3.875%
HK$123,726
−HK$3,279/mo
Today · 4.125%
HK$127,005
baseline
▲ 0.50% · 4.625%
HK$133,699
+HK$6,694/mo
Deposit HK$2.64M · loan HK$23.75M · min. income ≈ HK$254,010/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,515 · Scale 2, in force from 26 Feb 2026)