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$60,180
−HK$3,774/mo
▼ 0.25% · 3.875%
HK$62,052
−HK$1,902/mo
Today · 4.125%
HK$63,954
baseline
▲ 0.50% · 4.625%
HK$67,845
+HK$3,891/mo
Deposit HK$13.20M · loan HK$13.20M · min. income ≈ HK$127,908/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,121,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,950
−HK$3,617/mo
▼ 0.25% · 3.875%
HK$68,745
−HK$1,822/mo
Today · 4.125%
HK$70,567
baseline
▲ 0.50% · 4.625%
HK$74,287
+HK$3,720/mo
Deposit HK$13.20M · loan HK$13.20M · min. income ≈ HK$141,134/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,121,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,216
−HK$4,529/mo
▼ 0.25% · 3.875%
HK$74,463
−HK$2,282/mo
Today · 4.125%
HK$76,745
baseline
▲ 0.50% · 4.625%
HK$81,415
+HK$4,670/mo
Deposit HK$10.56M · loan HK$15.84M · min. income ≈ HK$153,490/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,121,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,340
−HK$4,340/mo
▼ 0.25% · 3.875%
HK$82,495
−HK$2,185/mo
Today · 4.125%
HK$84,680
baseline
▲ 0.50% · 4.625%
HK$89,144
+HK$4,464/mo
Deposit HK$10.56M · loan HK$15.84M · min. income ≈ HK$169,360/mo (50% DSR)
Upfront cash ≈ HK$11.68M (deposit + AVD stamp duty HK$1,121,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,252
−HK$5,284/mo
▼ 0.25% · 3.875%
HK$86,873
−HK$2,663/mo
Today · 4.125%
HK$89,536
baseline
▲ 0.50% · 4.625%
HK$94,984
+HK$5,448/mo
Deposit HK$7.92M · loan HK$18.47M · min. income ≈ HK$179,072/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,121,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,730
−HK$5,064/mo
▼ 0.25% · 3.875%
HK$96,244
−HK$2,550/mo
Today · 4.125%
HK$98,794
baseline
▲ 0.50% · 4.625%
HK$104,001
+HK$5,207/mo
Deposit HK$7.92M · loan HK$18.47M · min. income ≈ HK$197,588/mo (50% DSR)
Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,121,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,324
−HK$6,793/mo
▼ 0.25% · 3.875%
HK$111,694
−HK$3,423/mo
Today · 4.125%
HK$115,117
baseline
▲ 0.50% · 4.625%
HK$122,122
+HK$7,005/mo
Deposit HK$2.64M · loan HK$23.75M · min. income ≈ HK$230,234/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,510
−HK$6,511/mo
▼ 0.25% · 3.875%
HK$123,742
−HK$3,279/mo
Today · 4.125%
HK$127,021
baseline
▲ 0.50% · 4.625%
HK$133,716
+HK$6,695/mo
Deposit HK$2.64M · loan HK$23.75M · min. income ≈ HK$254,042/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,121,654 · Scale 2, in force from 26 Feb 2026)