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$60,121
−HK$3,770/mo
▼ 0.25% · 3.875%
HK$61,991
−HK$1,900/mo
Today · 4.125%
HK$63,891
baseline
▲ 0.50% · 4.625%
HK$67,778
+HK$3,887/mo
Deposit HK$13.18M · loan HK$13.18M · min. income ≈ HK$127,782/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,120,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,884
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$68,677
−HK$1,820/mo
Today · 4.125%
HK$70,497
baseline
▲ 0.50% · 4.625%
HK$74,213
+HK$3,716/mo
Deposit HK$13.18M · loan HK$13.18M · min. income ≈ HK$140,994/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,120,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,145
−HK$4,524/mo
▼ 0.25% · 3.875%
HK$74,389
−HK$2,280/mo
Today · 4.125%
HK$76,669
baseline
▲ 0.50% · 4.625%
HK$81,334
+HK$4,665/mo
Deposit HK$10.55M · loan HK$15.82M · min. income ≈ HK$153,338/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,120,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,260
−HK$4,337/mo
▼ 0.25% · 3.875%
HK$82,413
−HK$2,184/mo
Today · 4.125%
HK$84,597
baseline
▲ 0.50% · 4.625%
HK$89,056
+HK$4,459/mo
Deposit HK$10.55M · loan HK$15.82M · min. income ≈ HK$169,194/mo (50% DSR)
Upfront cash ≈ HK$11.67M (deposit + AVD stamp duty HK$1,120,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,169
−HK$5,278/mo
▼ 0.25% · 3.875%
HK$86,787
−HK$2,660/mo
Today · 4.125%
HK$89,447
baseline
▲ 0.50% · 4.625%
HK$94,890
+HK$5,443/mo
Deposit HK$7.91M · loan HK$18.46M · min. income ≈ HK$178,894/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,637
−HK$5,059/mo
▼ 0.25% · 3.875%
HK$96,148
−HK$2,548/mo
Today · 4.125%
HK$98,696
baseline
▲ 0.50% · 4.625%
HK$103,899
+HK$5,203/mo
Deposit HK$7.91M · loan HK$18.46M · min. income ≈ HK$197,392/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,217
−HK$6,786/mo
▼ 0.25% · 3.875%
HK$111,583
−HK$3,420/mo
Today · 4.125%
HK$115,003
baseline
▲ 0.50% · 4.625%
HK$122,001
+HK$6,998/mo
Deposit HK$2.64M · loan HK$23.73M · min. income ≈ HK$230,006/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,391
−HK$6,504/mo
▼ 0.25% · 3.875%
HK$123,619
−HK$3,276/mo
Today · 4.125%
HK$126,895
baseline
▲ 0.50% · 4.625%
HK$133,584
+HK$6,689/mo
Deposit HK$2.64M · loan HK$23.73M · min. income ≈ HK$253,790/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,546 · Scale 2, in force from 26 Feb 2026)