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$59,989
−HK$3,761/mo
▼ 0.25% · 3.875%
HK$61,855
−HK$1,895/mo
Today · 4.125%
HK$63,750
baseline
▲ 0.50% · 4.625%
HK$67,630
+HK$3,880/mo
Deposit HK$13.15M · loan HK$13.15M · min. income ≈ HK$127,500/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,118,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,737
−HK$3,605/mo
▼ 0.25% · 3.875%
HK$68,527
−HK$1,815/mo
Today · 4.125%
HK$70,342
baseline
▲ 0.50% · 4.625%
HK$74,050
+HK$3,708/mo
Deposit HK$13.15M · loan HK$13.15M · min. income ≈ HK$140,684/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,118,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,986
−HK$4,515/mo
▼ 0.25% · 3.875%
HK$74,226
−HK$2,275/mo
Today · 4.125%
HK$76,501
baseline
▲ 0.50% · 4.625%
HK$81,155
+HK$4,654/mo
Deposit HK$10.52M · loan HK$15.78M · min. income ≈ HK$153,002/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,118,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,084
−HK$4,327/mo
▼ 0.25% · 3.875%
HK$82,232
−HK$2,179/mo
Today · 4.125%
HK$84,411
baseline
▲ 0.50% · 4.625%
HK$88,860
+HK$4,449/mo
Deposit HK$10.52M · loan HK$15.78M · min. income ≈ HK$168,822/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,118,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,984
−HK$5,267/mo
▼ 0.25% · 3.875%
HK$86,597
−HK$2,654/mo
Today · 4.125%
HK$89,251
baseline
▲ 0.50% · 4.625%
HK$94,681
+HK$5,430/mo
Deposit HK$7.89M · loan HK$18.42M · min. income ≈ HK$178,502/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,118,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,432
−HK$5,047/mo
▼ 0.25% · 3.875%
HK$95,937
−HK$2,542/mo
Today · 4.125%
HK$98,479
baseline
▲ 0.50% · 4.625%
HK$103,670
+HK$5,191/mo
Deposit HK$7.89M · loan HK$18.42M · min. income ≈ HK$196,958/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,118,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,980
−HK$6,771/mo
▼ 0.25% · 3.875%
HK$111,338
−HK$3,413/mo
Today · 4.125%
HK$114,751
baseline
▲ 0.50% · 4.625%
HK$121,733
+HK$6,982/mo
Deposit HK$2.63M · loan HK$23.68M · min. income ≈ HK$229,502/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,118,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,126
−HK$6,490/mo
▼ 0.25% · 3.875%
HK$123,348
−HK$3,268/mo
Today · 4.125%
HK$126,616
baseline
▲ 0.50% · 4.625%
HK$133,290
+HK$6,674/mo
Deposit HK$2.63M · loan HK$23.68M · min. income ≈ HK$253,232/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,118,085 · Scale 2, in force from 26 Feb 2026)