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$60,101
−HK$3,769/mo
▼ 0.25% · 3.875%
HK$61,971
−HK$1,899/mo
Today · 4.125%
HK$63,870
baseline
▲ 0.50% · 4.625%
HK$67,757
+HK$3,887/mo
Deposit HK$13.18M · loan HK$13.18M · min. income ≈ HK$127,740/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,120,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,862
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$68,656
−HK$1,819/mo
Today · 4.125%
HK$70,475
baseline
▲ 0.50% · 4.625%
HK$74,189
+HK$3,714/mo
Deposit HK$13.18M · loan HK$13.18M · min. income ≈ HK$140,950/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,120,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,122
−HK$4,522/mo
▼ 0.25% · 3.875%
HK$74,365
−HK$2,279/mo
Today · 4.125%
HK$76,644
baseline
▲ 0.50% · 4.625%
HK$81,308
+HK$4,664/mo
Deposit HK$10.54M · loan HK$15.81M · min. income ≈ HK$153,288/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,120,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,235
−HK$4,335/mo
▼ 0.25% · 3.875%
HK$82,387
−HK$2,183/mo
Today · 4.125%
HK$84,570
baseline
▲ 0.50% · 4.625%
HK$89,027
+HK$4,457/mo
Deposit HK$10.54M · loan HK$15.81M · min. income ≈ HK$169,140/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,120,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,142
−HK$5,277/mo
▼ 0.25% · 3.875%
HK$86,759
−HK$2,660/mo
Today · 4.125%
HK$89,419
baseline
▲ 0.50% · 4.625%
HK$94,859
+HK$5,440/mo
Deposit HK$7.91M · loan HK$18.45M · min. income ≈ HK$178,838/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,607
−HK$5,058/mo
▼ 0.25% · 3.875%
HK$96,118
−HK$2,547/mo
Today · 4.125%
HK$98,665
baseline
▲ 0.50% · 4.625%
HK$103,865
+HK$5,200/mo
Deposit HK$7.91M · loan HK$18.45M · min. income ≈ HK$197,330/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,183
−HK$6,784/mo
▼ 0.25% · 3.875%
HK$111,548
−HK$3,419/mo
Today · 4.125%
HK$114,967
baseline
▲ 0.50% · 4.625%
HK$121,962
+HK$6,995/mo
Deposit HK$2.64M · loan HK$23.72M · min. income ≈ HK$229,934/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,352
−HK$6,502/mo
▼ 0.25% · 3.875%
HK$123,580
−HK$3,274/mo
Today · 4.125%
HK$126,854
baseline
▲ 0.50% · 4.625%
HK$133,541
+HK$6,687/mo
Deposit HK$2.64M · loan HK$23.72M · min. income ≈ HK$253,708/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,187 · Scale 2, in force from 26 Feb 2026)