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$60,087
−HK$3,768/mo
▼ 0.25% · 3.875%
HK$61,956
−HK$1,899/mo
Today · 4.125%
HK$63,855
baseline
▲ 0.50% · 4.625%
HK$67,740
+HK$3,885/mo
Deposit HK$13.18M · loan HK$13.18M · min. income ≈ HK$127,710/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,119,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,846
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$68,639
−HK$1,819/mo
Today · 4.125%
HK$70,458
baseline
▲ 0.50% · 4.625%
HK$74,171
+HK$3,713/mo
Deposit HK$13.18M · loan HK$13.18M · min. income ≈ HK$140,916/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,119,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,104
−HK$4,522/mo
▼ 0.25% · 3.875%
HK$74,347
−HK$2,279/mo
Today · 4.125%
HK$76,626
baseline
▲ 0.50% · 4.625%
HK$81,288
+HK$4,662/mo
Deposit HK$10.54M · loan HK$15.81M · min. income ≈ HK$153,252/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,119,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,215
−HK$4,334/mo
▼ 0.25% · 3.875%
HK$82,367
−HK$2,182/mo
Today · 4.125%
HK$84,549
baseline
▲ 0.50% · 4.625%
HK$89,006
+HK$4,457/mo
Deposit HK$10.54M · loan HK$15.81M · min. income ≈ HK$169,098/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,119,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,122
−HK$5,275/mo
▼ 0.25% · 3.875%
HK$86,738
−HK$2,659/mo
Today · 4.125%
HK$89,397
baseline
▲ 0.50% · 4.625%
HK$94,836
+HK$5,439/mo
Deposit HK$7.91M · loan HK$18.45M · min. income ≈ HK$178,794/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,119,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,584
−HK$5,057/mo
▼ 0.25% · 3.875%
HK$96,094
−HK$2,547/mo
Today · 4.125%
HK$98,641
baseline
▲ 0.50% · 4.625%
HK$103,840
+HK$5,199/mo
Deposit HK$7.91M · loan HK$18.45M · min. income ≈ HK$197,282/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,119,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,156
−HK$6,783/mo
▼ 0.25% · 3.875%
HK$111,521
−HK$3,418/mo
Today · 4.125%
HK$114,939
baseline
▲ 0.50% · 4.625%
HK$121,932
+HK$6,993/mo
Deposit HK$2.64M · loan HK$23.72M · min. income ≈ HK$229,878/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,119,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,323
−HK$6,501/mo
▼ 0.25% · 3.875%
HK$123,550
−HK$3,274/mo
Today · 4.125%
HK$126,824
baseline
▲ 0.50% · 4.625%
HK$133,509
+HK$6,685/mo
Deposit HK$2.64M · loan HK$23.72M · min. income ≈ HK$253,648/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,119,915 · Scale 2, in force from 26 Feb 2026)