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$59,877
−HK$3,754/mo
▼ 0.25% · 3.875%
HK$61,739
−HK$1,892/mo
Today · 4.125%
HK$63,631
baseline
▲ 0.50% · 4.625%
HK$67,503
+HK$3,872/mo
Deposit HK$13.13M · loan HK$13.13M · min. income ≈ HK$127,262/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,115,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,612
−HK$3,599/mo
▼ 0.25% · 3.875%
HK$68,399
−HK$1,812/mo
Today · 4.125%
HK$70,211
baseline
▲ 0.50% · 4.625%
HK$73,912
+HK$3,701/mo
Deposit HK$13.13M · loan HK$13.13M · min. income ≈ HK$140,422/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,115,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,852
−HK$4,506/mo
▼ 0.25% · 3.875%
HK$74,087
−HK$2,271/mo
Today · 4.125%
HK$76,358
baseline
▲ 0.50% · 4.625%
HK$81,004
+HK$4,646/mo
Deposit HK$10.50M · loan HK$15.76M · min. income ≈ HK$152,716/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,115,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,935
−HK$4,318/mo
▼ 0.25% · 3.875%
HK$82,078
−HK$2,175/mo
Today · 4.125%
HK$84,253
baseline
▲ 0.50% · 4.625%
HK$88,694
+HK$4,441/mo
Deposit HK$10.50M · loan HK$15.76M · min. income ≈ HK$168,506/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,115,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,827
−HK$5,257/mo
▼ 0.25% · 3.875%
HK$86,435
−HK$2,649/mo
Today · 4.125%
HK$89,084
baseline
▲ 0.50% · 4.625%
HK$94,505
+HK$5,421/mo
Deposit HK$7.88M · loan HK$18.38M · min. income ≈ HK$178,168/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,257
−HK$5,038/mo
▼ 0.25% · 3.875%
HK$95,758
−HK$2,537/mo
Today · 4.125%
HK$98,295
baseline
▲ 0.50% · 4.625%
HK$103,477
+HK$5,182/mo
Deposit HK$7.88M · loan HK$18.38M · min. income ≈ HK$196,590/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,778
−HK$6,759/mo
▼ 0.25% · 3.875%
HK$111,131
−HK$3,406/mo
Today · 4.125%
HK$114,537
baseline
▲ 0.50% · 4.625%
HK$121,506
+HK$6,969/mo
Deposit HK$2.63M · loan HK$23.63M · min. income ≈ HK$229,074/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,902
−HK$6,478/mo
▼ 0.25% · 3.875%
HK$123,118
−HK$3,262/mo
Today · 4.125%
HK$126,380
baseline
▲ 0.50% · 4.625%
HK$133,042
+HK$6,662/mo
Deposit HK$2.63M · loan HK$23.63M · min. income ≈ HK$252,760/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,997 · Scale 2, in force from 26 Feb 2026)