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$59,736
−HK$3,746/mo
▼ 0.25% · 3.875%
HK$61,595
−HK$1,887/mo
Today · 4.125%
HK$63,482
baseline
▲ 0.50% · 4.625%
HK$67,345
+HK$3,863/mo
Deposit HK$13.10M · loan HK$13.10M · min. income ≈ HK$126,964/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,113,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,456
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$68,239
−HK$1,808/mo
Today · 4.125%
HK$70,047
baseline
▲ 0.50% · 4.625%
HK$73,739
+HK$3,692/mo
Deposit HK$13.10M · loan HK$13.10M · min. income ≈ HK$140,094/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,113,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,684
−HK$4,495/mo
▼ 0.25% · 3.875%
HK$73,914
−HK$2,265/mo
Today · 4.125%
HK$76,179
baseline
▲ 0.50% · 4.625%
HK$80,814
+HK$4,635/mo
Deposit HK$10.48M · loan HK$15.72M · min. income ≈ HK$152,358/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,113,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,747
−HK$4,309/mo
▼ 0.25% · 3.875%
HK$81,886
−HK$2,170/mo
Today · 4.125%
HK$84,056
baseline
▲ 0.50% · 4.625%
HK$88,487
+HK$4,431/mo
Deposit HK$10.48M · loan HK$15.72M · min. income ≈ HK$168,112/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,113,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,631
−HK$5,244/mo
▼ 0.25% · 3.875%
HK$86,232
−HK$2,643/mo
Today · 4.125%
HK$88,875
baseline
▲ 0.50% · 4.625%
HK$94,283
+HK$5,408/mo
Deposit HK$7.86M · loan HK$18.34M · min. income ≈ HK$177,750/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,113,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,039
−HK$5,026/mo
▼ 0.25% · 3.875%
HK$95,534
−HK$2,531/mo
Today · 4.125%
HK$98,065
baseline
▲ 0.50% · 4.625%
HK$103,234
+HK$5,169/mo
Deposit HK$7.86M · loan HK$18.34M · min. income ≈ HK$196,130/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,113,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,526
−HK$6,742/mo
▼ 0.25% · 3.875%
HK$110,870
−HK$3,398/mo
Today · 4.125%
HK$114,268
baseline
▲ 0.50% · 4.625%
HK$121,221
+HK$6,953/mo
Deposit HK$2.62M · loan HK$23.58M · min. income ≈ HK$228,536/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,113,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,621
−HK$6,463/mo
▼ 0.25% · 3.875%
HK$122,829
−HK$3,255/mo
Today · 4.125%
HK$126,084
baseline
▲ 0.50% · 4.625%
HK$132,730
+HK$6,646/mo
Deposit HK$2.62M · loan HK$23.58M · min. income ≈ HK$252,168/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,113,384 · Scale 2, in force from 26 Feb 2026)