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$61,631
−HK$3,865/mo
▼ 0.25% · 3.875%
HK$63,548
−HK$1,948/mo
Today · 4.125%
HK$65,496
baseline
▲ 0.50% · 4.625%
HK$69,481
+HK$3,985/mo
Deposit HK$13.51M · loan HK$13.51M · min. income ≈ HK$130,992/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,148,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,564
−HK$3,705/mo
▼ 0.25% · 3.875%
HK$70,403
−HK$1,866/mo
Today · 4.125%
HK$72,269
baseline
▲ 0.50% · 4.625%
HK$76,078
+HK$3,809/mo
Deposit HK$13.51M · loan HK$13.51M · min. income ≈ HK$144,538/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,148,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,958
−HK$4,637/mo
▼ 0.25% · 3.875%
HK$76,258
−HK$2,337/mo
Today · 4.125%
HK$78,595
baseline
▲ 0.50% · 4.625%
HK$83,378
+HK$4,783/mo
Deposit HK$10.81M · loan HK$16.22M · min. income ≈ HK$157,190/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,148,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,277
−HK$4,445/mo
▼ 0.25% · 3.875%
HK$84,484
−HK$2,238/mo
Today · 4.125%
HK$86,722
baseline
▲ 0.50% · 4.625%
HK$91,293
+HK$4,571/mo
Deposit HK$10.81M · loan HK$16.22M · min. income ≈ HK$173,444/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,148,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,284
−HK$5,411/mo
▼ 0.25% · 3.875%
HK$88,968
−HK$2,727/mo
Today · 4.125%
HK$91,695
baseline
▲ 0.50% · 4.625%
HK$97,274
+HK$5,579/mo
Deposit HK$8.11M · loan HK$18.92M · min. income ≈ HK$183,390/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,148,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,990
−HK$5,186/mo
▼ 0.25% · 3.875%
HK$98,564
−HK$2,612/mo
Today · 4.125%
HK$101,176
baseline
▲ 0.50% · 4.625%
HK$106,509
+HK$5,333/mo
Deposit HK$8.11M · loan HK$18.92M · min. income ≈ HK$202,352/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,148,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,936
−HK$6,957/mo
▼ 0.25% · 3.875%
HK$114,387
−HK$3,506/mo
Today · 4.125%
HK$117,893
baseline
▲ 0.50% · 4.625%
HK$125,067
+HK$7,174/mo
Deposit HK$2.70M · loan HK$24.33M · min. income ≈ HK$235,786/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,416
−HK$6,667/mo
▼ 0.25% · 3.875%
HK$126,725
−HK$3,358/mo
Today · 4.125%
HK$130,083
baseline
▲ 0.50% · 4.625%
HK$136,940
+HK$6,857/mo
Deposit HK$2.70M · loan HK$24.33M · min. income ≈ HK$260,166/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,700 · Scale 2, in force from 26 Feb 2026)