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$59,885
−HK$3,755/mo
▼ 0.25% · 3.875%
HK$61,748
−HK$1,892/mo
Today · 4.125%
HK$63,640
baseline
▲ 0.50% · 4.625%
HK$67,513
+HK$3,873/mo
Deposit HK$13.13M · loan HK$13.13M · min. income ≈ HK$127,280/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,116,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,621
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$68,408
−HK$1,813/mo
Today · 4.125%
HK$70,221
baseline
▲ 0.50% · 4.625%
HK$73,922
+HK$3,701/mo
Deposit HK$13.13M · loan HK$13.13M · min. income ≈ HK$140,442/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,116,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,862
−HK$4,506/mo
▼ 0.25% · 3.875%
HK$74,097
−HK$2,271/mo
Today · 4.125%
HK$76,368
baseline
▲ 0.50% · 4.625%
HK$81,015
+HK$4,647/mo
Deposit HK$10.50M · loan HK$15.76M · min. income ≈ HK$152,736/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,116,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,946
−HK$4,319/mo
▼ 0.25% · 3.875%
HK$82,090
−HK$2,175/mo
Today · 4.125%
HK$84,265
baseline
▲ 0.50% · 4.625%
HK$88,707
+HK$4,442/mo
Deposit HK$10.50M · loan HK$15.76M · min. income ≈ HK$168,530/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,116,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,839
−HK$5,257/mo
▼ 0.25% · 3.875%
HK$86,447
−HK$2,649/mo
Today · 4.125%
HK$89,096
baseline
▲ 0.50% · 4.625%
HK$94,518
+HK$5,422/mo
Deposit HK$7.88M · loan HK$18.38M · min. income ≈ HK$178,192/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,116,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,270
−HK$5,039/mo
▼ 0.25% · 3.875%
HK$95,771
−HK$2,538/mo
Today · 4.125%
HK$98,309
baseline
▲ 0.50% · 4.625%
HK$103,491
+HK$5,182/mo
Deposit HK$7.88M · loan HK$18.38M · min. income ≈ HK$196,618/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,116,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,793
−HK$6,759/mo
▼ 0.25% · 3.875%
HK$111,146
−HK$3,406/mo
Today · 4.125%
HK$114,552
baseline
▲ 0.50% · 4.625%
HK$121,523
+HK$6,971/mo
Deposit HK$2.63M · loan HK$23.64M · min. income ≈ HK$229,104/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,116,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,918
−HK$6,479/mo
▼ 0.25% · 3.875%
HK$123,135
−HK$3,262/mo
Today · 4.125%
HK$126,397
baseline
▲ 0.50% · 4.625%
HK$133,060
+HK$6,663/mo
Deposit HK$2.63M · loan HK$23.64M · min. income ≈ HK$252,794/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,116,151 · Scale 2, in force from 26 Feb 2026)