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$60,027
−HK$3,764/mo
▼ 0.25% · 3.875%
HK$61,894
−HK$1,897/mo
Today · 4.125%
HK$63,791
baseline
▲ 0.50% · 4.625%
HK$67,673
+HK$3,882/mo
Deposit HK$13.16M · loan HK$13.16M · min. income ≈ HK$127,582/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,118,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,779
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$68,570
−HK$1,817/mo
Today · 4.125%
HK$70,387
baseline
▲ 0.50% · 4.625%
HK$74,098
+HK$3,711/mo
Deposit HK$13.16M · loan HK$13.16M · min. income ≈ HK$140,774/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,118,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,032
−HK$4,518/mo
▼ 0.25% · 3.875%
HK$74,273
−HK$2,277/mo
Today · 4.125%
HK$76,550
baseline
▲ 0.50% · 4.625%
HK$81,207
+HK$4,657/mo
Deposit HK$10.53M · loan HK$15.79M · min. income ≈ HK$153,100/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,118,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,135
−HK$4,330/mo
▼ 0.25% · 3.875%
HK$82,285
−HK$2,180/mo
Today · 4.125%
HK$84,465
baseline
▲ 0.50% · 4.625%
HK$88,917
+HK$4,452/mo
Deposit HK$10.53M · loan HK$15.79M · min. income ≈ HK$168,930/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,118,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,038
−HK$5,270/mo
▼ 0.25% · 3.875%
HK$86,652
−HK$2,656/mo
Today · 4.125%
HK$89,308
baseline
▲ 0.50% · 4.625%
HK$94,742
+HK$5,434/mo
Deposit HK$7.90M · loan HK$18.43M · min. income ≈ HK$178,616/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,118,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,491
−HK$5,051/mo
▼ 0.25% · 3.875%
HK$95,999
−HK$2,543/mo
Today · 4.125%
HK$98,542
baseline
▲ 0.50% · 4.625%
HK$103,737
+HK$5,195/mo
Deposit HK$7.90M · loan HK$18.43M · min. income ≈ HK$197,084/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,118,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,049
−HK$6,775/mo
▼ 0.25% · 3.875%
HK$111,410
−HK$3,414/mo
Today · 4.125%
HK$114,824
baseline
▲ 0.50% · 4.625%
HK$121,811
+HK$6,987/mo
Deposit HK$2.63M · loan HK$23.69M · min. income ≈ HK$229,648/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,118,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,203
−HK$6,494/mo
▼ 0.25% · 3.875%
HK$123,427
−HK$3,270/mo
Today · 4.125%
HK$126,697
baseline
▲ 0.50% · 4.625%
HK$133,376
+HK$6,679/mo
Deposit HK$2.63M · loan HK$23.69M · min. income ≈ HK$253,394/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,118,800 · Scale 2, in force from 26 Feb 2026)