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$59,861
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$61,723
−HK$1,891/mo
Today · 4.125%
HK$63,614
baseline
▲ 0.50% · 4.625%
HK$67,485
+HK$3,871/mo
Deposit HK$13.13M · loan HK$13.13M · min. income ≈ HK$127,228/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,115,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,594
−HK$3,598/mo
▼ 0.25% · 3.875%
HK$68,380
−HK$1,812/mo
Today · 4.125%
HK$70,192
baseline
▲ 0.50% · 4.625%
HK$73,892
+HK$3,700/mo
Deposit HK$13.13M · loan HK$13.13M · min. income ≈ HK$140,384/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,115,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,833
−HK$4,504/mo
▼ 0.25% · 3.875%
HK$74,067
−HK$2,270/mo
Today · 4.125%
HK$76,337
baseline
▲ 0.50% · 4.625%
HK$80,982
+HK$4,645/mo
Deposit HK$10.50M · loan HK$15.75M · min. income ≈ HK$152,674/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,115,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,913
−HK$4,318/mo
▼ 0.25% · 3.875%
HK$82,056
−HK$2,175/mo
Today · 4.125%
HK$84,231
baseline
▲ 0.50% · 4.625%
HK$88,671
+HK$4,440/mo
Deposit HK$10.50M · loan HK$15.75M · min. income ≈ HK$168,462/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,115,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,805
−HK$5,255/mo
▼ 0.25% · 3.875%
HK$86,412
−HK$2,648/mo
Today · 4.125%
HK$89,060
baseline
▲ 0.50% · 4.625%
HK$94,479
+HK$5,419/mo
Deposit HK$7.88M · loan HK$18.38M · min. income ≈ HK$178,120/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,232
−HK$5,037/mo
▼ 0.25% · 3.875%
HK$95,733
−HK$2,536/mo
Today · 4.125%
HK$98,269
baseline
▲ 0.50% · 4.625%
HK$103,449
+HK$5,180/mo
Deposit HK$7.88M · loan HK$18.38M · min. income ≈ HK$196,538/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,749
−HK$6,757/mo
▼ 0.25% · 3.875%
HK$111,101
−HK$3,405/mo
Today · 4.125%
HK$114,506
baseline
▲ 0.50% · 4.625%
HK$121,473
+HK$6,967/mo
Deposit HK$2.63M · loan HK$23.63M · min. income ≈ HK$229,012/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,870
−HK$6,476/mo
▼ 0.25% · 3.875%
HK$123,085
−HK$3,261/mo
Today · 4.125%
HK$126,346
baseline
▲ 0.50% · 4.625%
HK$133,006
+HK$6,660/mo
Deposit HK$2.63M · loan HK$23.63M · min. income ≈ HK$252,692/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,698 · Scale 2, in force from 26 Feb 2026)