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$60,112
−HK$3,770/mo
▼ 0.25% · 3.875%
HK$61,982
−HK$1,900/mo
Today · 4.125%
HK$63,882
baseline
▲ 0.50% · 4.625%
HK$67,769
+HK$3,887/mo
Deposit HK$13.18M · loan HK$13.18M · min. income ≈ HK$127,764/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,120,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,874
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$68,668
−HK$1,819/mo
Today · 4.125%
HK$70,487
baseline
▲ 0.50% · 4.625%
HK$74,203
+HK$3,716/mo
Deposit HK$13.18M · loan HK$13.18M · min. income ≈ HK$140,974/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,120,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,135
−HK$4,523/mo
▼ 0.25% · 3.875%
HK$74,379
−HK$2,279/mo
Today · 4.125%
HK$76,658
baseline
▲ 0.50% · 4.625%
HK$81,323
+HK$4,665/mo
Deposit HK$10.54M · loan HK$15.82M · min. income ≈ HK$153,316/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,120,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,249
−HK$4,336/mo
▼ 0.25% · 3.875%
HK$82,402
−HK$2,183/mo
Today · 4.125%
HK$84,585
baseline
▲ 0.50% · 4.625%
HK$89,044
+HK$4,459/mo
Deposit HK$10.54M · loan HK$15.82M · min. income ≈ HK$169,170/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,120,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,157
−HK$5,278/mo
▼ 0.25% · 3.875%
HK$86,775
−HK$2,660/mo
Today · 4.125%
HK$89,435
baseline
▲ 0.50% · 4.625%
HK$94,877
+HK$5,442/mo
Deposit HK$7.91M · loan HK$18.45M · min. income ≈ HK$178,870/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,624
−HK$5,058/mo
▼ 0.25% · 3.875%
HK$96,135
−HK$2,547/mo
Today · 4.125%
HK$98,682
baseline
▲ 0.50% · 4.625%
HK$103,884
+HK$5,202/mo
Deposit HK$7.91M · loan HK$18.45M · min. income ≈ HK$197,364/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,202
−HK$6,786/mo
▼ 0.25% · 3.875%
HK$111,568
−HK$3,420/mo
Today · 4.125%
HK$114,988
baseline
▲ 0.50% · 4.625%
HK$121,984
+HK$6,996/mo
Deposit HK$2.64M · loan HK$23.73M · min. income ≈ HK$229,976/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,374
−HK$6,503/mo
▼ 0.25% · 3.875%
HK$123,602
−HK$3,275/mo
Today · 4.125%
HK$126,877
baseline
▲ 0.50% · 4.625%
HK$133,565
+HK$6,688/mo
Deposit HK$2.64M · loan HK$23.73M · min. income ≈ HK$253,754/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,391 · Scale 2, in force from 26 Feb 2026)