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$59,997
−HK$3,762/mo
▼ 0.25% · 3.875%
HK$61,863
−HK$1,896/mo
Today · 4.125%
HK$63,759
baseline
▲ 0.50% · 4.625%
HK$67,639
+HK$3,880/mo
Deposit HK$13.16M · loan HK$13.16M · min. income ≈ HK$127,518/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,118,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,746
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$68,536
−HK$1,816/mo
Today · 4.125%
HK$70,352
baseline
▲ 0.50% · 4.625%
HK$74,060
+HK$3,708/mo
Deposit HK$13.16M · loan HK$13.16M · min. income ≈ HK$140,704/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,118,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,996
−HK$4,515/mo
▼ 0.25% · 3.875%
HK$74,236
−HK$2,275/mo
Today · 4.125%
HK$76,511
baseline
▲ 0.50% · 4.625%
HK$81,167
+HK$4,656/mo
Deposit HK$10.52M · loan HK$15.79M · min. income ≈ HK$153,022/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,118,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,095
−HK$4,327/mo
▼ 0.25% · 3.875%
HK$82,243
−HK$2,179/mo
Today · 4.125%
HK$84,422
baseline
▲ 0.50% · 4.625%
HK$88,872
+HK$4,450/mo
Deposit HK$10.52M · loan HK$15.79M · min. income ≈ HK$168,844/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,118,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,996
−HK$5,267/mo
▼ 0.25% · 3.875%
HK$86,608
−HK$2,655/mo
Today · 4.125%
HK$89,263
baseline
▲ 0.50% · 4.625%
HK$94,694
+HK$5,431/mo
Deposit HK$7.89M · loan HK$18.42M · min. income ≈ HK$178,526/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,118,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,444
−HK$5,049/mo
▼ 0.25% · 3.875%
HK$95,950
−HK$2,543/mo
Today · 4.125%
HK$98,493
baseline
▲ 0.50% · 4.625%
HK$103,684
+HK$5,191/mo
Deposit HK$7.89M · loan HK$18.42M · min. income ≈ HK$196,986/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,118,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,994
−HK$6,773/mo
▼ 0.25% · 3.875%
HK$111,354
−HK$3,413/mo
Today · 4.125%
HK$114,767
baseline
▲ 0.50% · 4.625%
HK$121,750
+HK$6,983/mo
Deposit HK$2.63M · loan HK$23.68M · min. income ≈ HK$229,534/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,118,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,143
−HK$6,491/mo
▼ 0.25% · 3.875%
HK$123,365
−HK$3,269/mo
Today · 4.125%
HK$126,634
baseline
▲ 0.50% · 4.625%
HK$133,309
+HK$6,675/mo
Deposit HK$2.63M · loan HK$23.68M · min. income ≈ HK$253,268/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,118,237 · Scale 2, in force from 26 Feb 2026)