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$60,079
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$61,947
−HK$1,899/mo
Today · 4.125%
HK$63,846
baseline
▲ 0.50% · 4.625%
HK$67,731
+HK$3,885/mo
Deposit HK$13.17M · loan HK$13.17M · min. income ≈ HK$127,692/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,119,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,837
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$68,629
−HK$1,819/mo
Today · 4.125%
HK$70,448
baseline
▲ 0.50% · 4.625%
HK$74,161
+HK$3,713/mo
Deposit HK$13.17M · loan HK$13.17M · min. income ≈ HK$140,896/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,119,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,094
−HK$4,521/mo
▼ 0.25% · 3.875%
HK$74,337
−HK$2,278/mo
Today · 4.125%
HK$76,615
baseline
▲ 0.50% · 4.625%
HK$81,277
+HK$4,662/mo
Deposit HK$10.54M · loan HK$15.81M · min. income ≈ HK$153,230/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,119,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,204
−HK$4,333/mo
▼ 0.25% · 3.875%
HK$82,355
−HK$2,182/mo
Today · 4.125%
HK$84,537
baseline
▲ 0.50% · 4.625%
HK$88,993
+HK$4,456/mo
Deposit HK$10.54M · loan HK$15.81M · min. income ≈ HK$169,074/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,119,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,110
−HK$5,274/mo
▼ 0.25% · 3.875%
HK$86,726
−HK$2,658/mo
Today · 4.125%
HK$89,384
baseline
▲ 0.50% · 4.625%
HK$94,823
+HK$5,439/mo
Deposit HK$7.90M · loan HK$18.44M · min. income ≈ HK$178,768/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,119,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,572
−HK$5,055/mo
▼ 0.25% · 3.875%
HK$96,081
−HK$2,546/mo
Today · 4.125%
HK$98,627
baseline
▲ 0.50% · 4.625%
HK$103,826
+HK$5,199/mo
Deposit HK$7.90M · loan HK$18.44M · min. income ≈ HK$197,254/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,119,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,141
−HK$6,782/mo
▼ 0.25% · 3.875%
HK$111,505
−HK$3,418/mo
Today · 4.125%
HK$114,923
baseline
▲ 0.50% · 4.625%
HK$121,916
+HK$6,993/mo
Deposit HK$2.63M · loan HK$23.71M · min. income ≈ HK$229,846/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,119,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,306
−HK$6,500/mo
▼ 0.25% · 3.875%
HK$123,533
−HK$3,273/mo
Today · 4.125%
HK$126,806
baseline
▲ 0.50% · 4.625%
HK$133,490
+HK$6,684/mo
Deposit HK$2.63M · loan HK$23.71M · min. income ≈ HK$253,612/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,119,761 · Scale 2, in force from 26 Feb 2026)