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$59,974
−HK$3,761/mo
▼ 0.25% · 3.875%
HK$61,840
−HK$1,895/mo
Today · 4.125%
HK$63,735
baseline
▲ 0.50% · 4.625%
HK$67,614
+HK$3,879/mo
Deposit HK$13.15M · loan HK$13.15M · min. income ≈ HK$127,470/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,117,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,721
−HK$3,605/mo
▼ 0.25% · 3.875%
HK$68,510
−HK$1,816/mo
Today · 4.125%
HK$70,326
baseline
▲ 0.50% · 4.625%
HK$74,033
+HK$3,707/mo
Deposit HK$13.15M · loan HK$13.15M · min. income ≈ HK$140,652/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,117,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,969
−HK$4,513/mo
▼ 0.25% · 3.875%
HK$74,208
−HK$2,274/mo
Today · 4.125%
HK$76,482
baseline
▲ 0.50% · 4.625%
HK$81,136
+HK$4,654/mo
Deposit HK$10.52M · loan HK$15.78M · min. income ≈ HK$152,964/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,117,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,065
−HK$4,326/mo
▼ 0.25% · 3.875%
HK$82,212
−HK$2,179/mo
Today · 4.125%
HK$84,391
baseline
▲ 0.50% · 4.625%
HK$88,839
+HK$4,448/mo
Deposit HK$10.52M · loan HK$15.78M · min. income ≈ HK$168,782/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,117,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,964
−HK$5,265/mo
▼ 0.25% · 3.875%
HK$86,576
−HK$2,653/mo
Today · 4.125%
HK$89,229
baseline
▲ 0.50% · 4.625%
HK$94,659
+HK$5,430/mo
Deposit HK$7.89M · loan HK$18.41M · min. income ≈ HK$178,458/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,117,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,409
−HK$5,047/mo
▼ 0.25% · 3.875%
HK$95,915
−HK$2,541/mo
Today · 4.125%
HK$98,456
baseline
▲ 0.50% · 4.625%
HK$103,646
+HK$5,190/mo
Deposit HK$7.89M · loan HK$18.41M · min. income ≈ HK$196,912/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,117,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,954
−HK$6,770/mo
▼ 0.25% · 3.875%
HK$111,312
−HK$3,412/mo
Today · 4.125%
HK$114,724
baseline
▲ 0.50% · 4.625%
HK$121,704
+HK$6,980/mo
Deposit HK$2.63M · loan HK$23.67M · min. income ≈ HK$229,448/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,117,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,098
−HK$6,488/mo
▼ 0.25% · 3.875%
HK$123,319
−HK$3,267/mo
Today · 4.125%
HK$126,586
baseline
▲ 0.50% · 4.625%
HK$133,259
+HK$6,673/mo
Deposit HK$2.63M · loan HK$23.67M · min. income ≈ HK$253,172/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,117,819 · Scale 2, in force from 26 Feb 2026)