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$60,100
−HK$3,768/mo
▼ 0.25% · 3.875%
HK$61,969
−HK$1,899/mo
Today · 4.125%
HK$63,868
baseline
▲ 0.50% · 4.625%
HK$67,755
+HK$3,887/mo
Deposit HK$13.18M · loan HK$13.18M · min. income ≈ HK$127,736/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,120,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,860
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$68,653
−HK$1,819/mo
Today · 4.125%
HK$70,472
baseline
▲ 0.50% · 4.625%
HK$74,187
+HK$3,715/mo
Deposit HK$13.18M · loan HK$13.18M · min. income ≈ HK$140,944/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,120,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,119
−HK$4,523/mo
▼ 0.25% · 3.875%
HK$74,363
−HK$2,279/mo
Today · 4.125%
HK$76,642
baseline
▲ 0.50% · 4.625%
HK$81,305
+HK$4,663/mo
Deposit HK$10.54M · loan HK$15.81M · min. income ≈ HK$153,284/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,120,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,232
−HK$4,335/mo
▼ 0.25% · 3.875%
HK$82,384
−HK$2,183/mo
Today · 4.125%
HK$84,567
baseline
▲ 0.50% · 4.625%
HK$89,024
+HK$4,457/mo
Deposit HK$10.54M · loan HK$15.81M · min. income ≈ HK$169,134/mo (50% DSR)
Upfront cash ≈ HK$11.66M (deposit + AVD stamp duty HK$1,120,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,139
−HK$5,277/mo
▼ 0.25% · 3.875%
HK$86,757
−HK$2,659/mo
Today · 4.125%
HK$89,416
baseline
▲ 0.50% · 4.625%
HK$94,856
+HK$5,440/mo
Deposit HK$7.91M · loan HK$18.45M · min. income ≈ HK$178,832/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,604
−HK$5,057/mo
▼ 0.25% · 3.875%
HK$96,115
−HK$2,546/mo
Today · 4.125%
HK$98,661
baseline
▲ 0.50% · 4.625%
HK$103,862
+HK$5,201/mo
Deposit HK$7.91M · loan HK$18.45M · min. income ≈ HK$197,322/mo (50% DSR)
Upfront cash ≈ HK$9.03M (deposit + AVD stamp duty HK$1,120,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,179
−HK$6,784/mo
▼ 0.25% · 3.875%
HK$111,544
−HK$3,419/mo
Today · 4.125%
HK$114,963
baseline
▲ 0.50% · 4.625%
HK$121,958
+HK$6,995/mo
Deposit HK$2.64M · loan HK$23.72M · min. income ≈ HK$229,926/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,348
−HK$6,502/mo
▼ 0.25% · 3.875%
HK$123,576
−HK$3,274/mo
Today · 4.125%
HK$126,850
baseline
▲ 0.50% · 4.625%
HK$133,537
+HK$6,687/mo
Deposit HK$2.64M · loan HK$23.72M · min. income ≈ HK$253,700/mo (50% DSR)
Upfront cash ≈ HK$3.76M (deposit + AVD stamp duty HK$1,120,151 · Scale 2, in force from 26 Feb 2026)