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$59,810
−HK$3,750/mo
▼ 0.25% · 3.875%
HK$61,670
−HK$1,890/mo
Today · 4.125%
HK$63,560
baseline
▲ 0.50% · 4.625%
HK$67,428
+HK$3,868/mo
Deposit HK$13.11M · loan HK$13.11M · min. income ≈ HK$127,120/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,114,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,538
−HK$3,595/mo
▼ 0.25% · 3.875%
HK$68,322
−HK$1,811/mo
Today · 4.125%
HK$70,133
baseline
▲ 0.50% · 4.625%
HK$73,829
+HK$3,696/mo
Deposit HK$13.11M · loan HK$13.11M · min. income ≈ HK$140,266/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,114,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,772
−HK$4,500/mo
▼ 0.25% · 3.875%
HK$74,004
−HK$2,268/mo
Today · 4.125%
HK$76,272
baseline
▲ 0.50% · 4.625%
HK$80,913
+HK$4,641/mo
Deposit HK$10.49M · loan HK$15.74M · min. income ≈ HK$152,544/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,114,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,845
−HK$4,314/mo
▼ 0.25% · 3.875%
HK$81,987
−HK$2,172/mo
Today · 4.125%
HK$84,159
baseline
▲ 0.50% · 4.625%
HK$88,595
+HK$4,436/mo
Deposit HK$10.49M · loan HK$15.74M · min. income ≈ HK$168,318/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,114,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,734
−HK$5,251/mo
▼ 0.25% · 3.875%
HK$86,338
−HK$2,647/mo
Today · 4.125%
HK$88,985
baseline
▲ 0.50% · 4.625%
HK$94,399
+HK$5,414/mo
Deposit HK$7.87M · loan HK$18.36M · min. income ≈ HK$177,970/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,114,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,153
−HK$5,033/mo
▼ 0.25% · 3.875%
HK$95,651
−HK$2,535/mo
Today · 4.125%
HK$98,186
baseline
▲ 0.50% · 4.625%
HK$103,361
+HK$5,175/mo
Deposit HK$7.87M · loan HK$18.36M · min. income ≈ HK$196,372/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,114,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,658
−HK$6,751/mo
▼ 0.25% · 3.875%
HK$111,006
−HK$3,403/mo
Today · 4.125%
HK$114,409
baseline
▲ 0.50% · 4.625%
HK$121,370
+HK$6,961/mo
Deposit HK$2.62M · loan HK$23.61M · min. income ≈ HK$228,818/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,768
−HK$6,471/mo
▼ 0.25% · 3.875%
HK$122,980
−HK$3,259/mo
Today · 4.125%
HK$126,239
baseline
▲ 0.50% · 4.625%
HK$132,893
+HK$6,654/mo
Deposit HK$2.62M · loan HK$23.61M · min. income ≈ HK$252,478/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,750 · Scale 2, in force from 26 Feb 2026)