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$60,011
−HK$3,764/mo
▼ 0.25% · 3.875%
HK$61,878
−HK$1,897/mo
Today · 4.125%
HK$63,775
baseline
▲ 0.50% · 4.625%
HK$67,655
+HK$3,880/mo
Deposit HK$13.16M · loan HK$13.16M · min. income ≈ HK$127,550/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,118,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,762
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$68,553
−HK$1,816/mo
Today · 4.125%
HK$70,369
baseline
▲ 0.50% · 4.625%
HK$74,078
+HK$3,709/mo
Deposit HK$13.16M · loan HK$13.16M · min. income ≈ HK$140,738/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,118,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,014
−HK$4,516/mo
▼ 0.25% · 3.875%
HK$74,254
−HK$2,276/mo
Today · 4.125%
HK$76,530
baseline
▲ 0.50% · 4.625%
HK$81,186
+HK$4,656/mo
Deposit HK$10.53M · loan HK$15.79M · min. income ≈ HK$153,060/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,118,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,115
−HK$4,328/mo
▼ 0.25% · 3.875%
HK$82,263
−HK$2,180/mo
Today · 4.125%
HK$84,443
baseline
▲ 0.50% · 4.625%
HK$88,894
+HK$4,451/mo
Deposit HK$10.53M · loan HK$15.79M · min. income ≈ HK$168,886/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,118,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,016
−HK$5,269/mo
▼ 0.25% · 3.875%
HK$86,629
−HK$2,656/mo
Today · 4.125%
HK$89,285
baseline
▲ 0.50% · 4.625%
HK$94,717
+HK$5,432/mo
Deposit HK$7.90M · loan HK$18.42M · min. income ≈ HK$178,570/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,118,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,467
−HK$5,050/mo
▼ 0.25% · 3.875%
HK$95,974
−HK$2,543/mo
Today · 4.125%
HK$98,517
baseline
▲ 0.50% · 4.625%
HK$103,710
+HK$5,193/mo
Deposit HK$7.90M · loan HK$18.42M · min. income ≈ HK$197,034/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,118,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,021
−HK$6,774/mo
▼ 0.25% · 3.875%
HK$111,381
−HK$3,414/mo
Today · 4.125%
HK$114,795
baseline
▲ 0.50% · 4.625%
HK$121,780
+HK$6,985/mo
Deposit HK$2.63M · loan HK$23.69M · min. income ≈ HK$229,590/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,118,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,172
−HK$6,492/mo
▼ 0.25% · 3.875%
HK$123,395
−HK$3,269/mo
Today · 4.125%
HK$126,664
baseline
▲ 0.50% · 4.625%
HK$133,341
+HK$6,677/mo
Deposit HK$2.63M · loan HK$23.69M · min. income ≈ HK$253,328/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,118,510 · Scale 2, in force from 26 Feb 2026)