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$59,868
−HK$3,754/mo
▼ 0.25% · 3.875%
HK$61,730
−HK$1,892/mo
Today · 4.125%
HK$63,622
baseline
▲ 0.50% · 4.625%
HK$67,493
+HK$3,871/mo
Deposit HK$13.13M · loan HK$13.13M · min. income ≈ HK$127,244/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,115,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,602
−HK$3,599/mo
▼ 0.25% · 3.875%
HK$68,388
−HK$1,813/mo
Today · 4.125%
HK$70,201
baseline
▲ 0.50% · 4.625%
HK$73,901
+HK$3,700/mo
Deposit HK$13.13M · loan HK$13.13M · min. income ≈ HK$140,402/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,115,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,841
−HK$4,505/mo
▼ 0.25% · 3.875%
HK$74,076
−HK$2,270/mo
Today · 4.125%
HK$76,346
baseline
▲ 0.50% · 4.625%
HK$80,992
+HK$4,646/mo
Deposit HK$10.50M · loan HK$15.75M · min. income ≈ HK$152,692/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,115,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,923
−HK$4,318/mo
▼ 0.25% · 3.875%
HK$82,066
−HK$2,175/mo
Today · 4.125%
HK$84,241
baseline
▲ 0.50% · 4.625%
HK$88,681
+HK$4,440/mo
Deposit HK$10.50M · loan HK$15.75M · min. income ≈ HK$168,482/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,115,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,815
−HK$5,256/mo
▼ 0.25% · 3.875%
HK$86,422
−HK$2,649/mo
Today · 4.125%
HK$89,071
baseline
▲ 0.50% · 4.625%
HK$94,490
+HK$5,419/mo
Deposit HK$7.88M · loan HK$18.38M · min. income ≈ HK$178,142/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,243
−HK$5,038/mo
▼ 0.25% · 3.875%
HK$95,744
−HK$2,537/mo
Today · 4.125%
HK$98,281
baseline
▲ 0.50% · 4.625%
HK$103,461
+HK$5,180/mo
Deposit HK$7.88M · loan HK$18.38M · min. income ≈ HK$196,562/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,762
−HK$6,757/mo
▼ 0.25% · 3.875%
HK$111,114
−HK$3,405/mo
Today · 4.125%
HK$114,519
baseline
▲ 0.50% · 4.625%
HK$121,488
+HK$6,969/mo
Deposit HK$2.63M · loan HK$23.63M · min. income ≈ HK$229,038/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,884
−HK$6,477/mo
▼ 0.25% · 3.875%
HK$123,099
−HK$3,262/mo
Today · 4.125%
HK$126,361
baseline
▲ 0.50% · 4.625%
HK$133,022
+HK$6,661/mo
Deposit HK$2.63M · loan HK$23.63M · min. income ≈ HK$252,722/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,830 · Scale 2, in force from 26 Feb 2026)