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$63,031
−HK$3,953/mo
▼ 0.25% · 3.875%
HK$64,992
−HK$1,992/mo
Today · 4.125%
HK$66,984
baseline
▲ 0.50% · 4.625%
HK$71,059
+HK$4,075/mo
Deposit HK$13.82M · loan HK$13.82M · min. income ≈ HK$133,968/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,174,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,121
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$72,002
−HK$1,908/mo
Today · 4.125%
HK$73,910
baseline
▲ 0.50% · 4.625%
HK$77,806
+HK$3,896/mo
Deposit HK$13.82M · loan HK$13.82M · min. income ≈ HK$147,820/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,174,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,637
−HK$4,743/mo
▼ 0.25% · 3.875%
HK$77,990
−HK$2,390/mo
Today · 4.125%
HK$80,380
baseline
▲ 0.50% · 4.625%
HK$85,271
+HK$4,891/mo
Deposit HK$11.06M · loan HK$16.59M · min. income ≈ HK$160,760/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,174,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,146
−HK$4,546/mo
▼ 0.25% · 3.875%
HK$86,402
−HK$2,290/mo
Today · 4.125%
HK$88,692
baseline
▲ 0.50% · 4.625%
HK$93,367
+HK$4,675/mo
Deposit HK$11.06M · loan HK$16.59M · min. income ≈ HK$177,384/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,174,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,243
−HK$5,534/mo
▼ 0.25% · 3.875%
HK$90,988
−HK$2,789/mo
Today · 4.125%
HK$93,777
baseline
▲ 0.50% · 4.625%
HK$99,483
+HK$5,706/mo
Deposit HK$8.29M · loan HK$19.35M · min. income ≈ HK$187,554/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,174,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,170
−HK$5,304/mo
▼ 0.25% · 3.875%
HK$100,803
−HK$2,671/mo
Today · 4.125%
HK$103,474
baseline
▲ 0.50% · 4.625%
HK$108,928
+HK$5,454/mo
Deposit HK$8.29M · loan HK$19.35M · min. income ≈ HK$206,948/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,174,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,456
−HK$7,115/mo
▼ 0.25% · 3.875%
HK$116,985
−HK$3,586/mo
Today · 4.125%
HK$120,571
baseline
▲ 0.50% · 4.625%
HK$127,907
+HK$7,336/mo
Deposit HK$2.76M · loan HK$24.88M · min. income ≈ HK$241,142/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,174,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,219
−HK$6,819/mo
▼ 0.25% · 3.875%
HK$129,604
−HK$3,434/mo
Today · 4.125%
HK$133,038
baseline
▲ 0.50% · 4.625%
HK$140,050
+HK$7,012/mo
Deposit HK$2.76M · loan HK$24.88M · min. income ≈ HK$266,076/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,174,789 · Scale 2, in force from 26 Feb 2026)