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$60,115
−HK$3,769/mo
▼ 0.25% · 3.875%
HK$61,985
−HK$1,899/mo
Today · 4.125%
HK$63,884
baseline
▲ 0.50% · 4.625%
HK$67,772
+HK$3,888/mo
Deposit HK$13.18M · loan HK$13.18M · min. income ≈ HK$127,768/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,120,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,877
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$68,671
−HK$1,819/mo
Today · 4.125%
HK$70,490
baseline
▲ 0.50% · 4.625%
HK$74,206
+HK$3,716/mo
Deposit HK$13.18M · loan HK$13.18M · min. income ≈ HK$140,980/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,120,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,138
−HK$4,523/mo
▼ 0.25% · 3.875%
HK$74,382
−HK$2,279/mo
Today · 4.125%
HK$76,661
baseline
▲ 0.50% · 4.625%
HK$81,326
+HK$4,665/mo
Deposit HK$10.55M · loan HK$15.82M · min. income ≈ HK$153,322/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,120,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,252
−HK$4,336/mo
▼ 0.25% · 3.875%
HK$82,405
−HK$2,183/mo
Today · 4.125%
HK$84,588
baseline
▲ 0.50% · 4.625%
HK$89,047
+HK$4,459/mo
Deposit HK$10.55M · loan HK$15.82M · min. income ≈ HK$169,176/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,120,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,161
−HK$5,277/mo
▼ 0.25% · 3.875%
HK$86,778
−HK$2,660/mo
Today · 4.125%
HK$89,438
baseline
▲ 0.50% · 4.625%
HK$94,880
+HK$5,442/mo
Deposit HK$7.91M · loan HK$18.45M · min. income ≈ HK$178,876/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,628
−HK$5,058/mo
▼ 0.25% · 3.875%
HK$96,139
−HK$2,547/mo
Today · 4.125%
HK$98,686
baseline
▲ 0.50% · 4.625%
HK$103,888
+HK$5,202/mo
Deposit HK$7.91M · loan HK$18.45M · min. income ≈ HK$197,372/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,206
−HK$6,786/mo
▼ 0.25% · 3.875%
HK$111,572
−HK$3,420/mo
Today · 4.125%
HK$114,992
baseline
▲ 0.50% · 4.625%
HK$121,989
+HK$6,997/mo
Deposit HK$2.64M · loan HK$23.73M · min. income ≈ HK$229,984/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,379
−HK$6,503/mo
▼ 0.25% · 3.875%
HK$123,607
−HK$3,275/mo
Today · 4.125%
HK$126,882
baseline
▲ 0.50% · 4.625%
HK$133,570
+HK$6,688/mo
Deposit HK$2.64M · loan HK$23.73M · min. income ≈ HK$253,764/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,433 · Scale 2, in force from 26 Feb 2026)