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$59,730
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$61,588
−HK$1,887/mo
Today · 4.125%
HK$63,475
baseline
▲ 0.50% · 4.625%
HK$67,338
+HK$3,863/mo
Deposit HK$13.10M · loan HK$13.10M · min. income ≈ HK$126,950/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,113,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,449
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$68,231
−HK$1,808/mo
Today · 4.125%
HK$70,039
baseline
▲ 0.50% · 4.625%
HK$73,731
+HK$3,692/mo
Deposit HK$13.10M · loan HK$13.10M · min. income ≈ HK$140,078/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,113,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,676
−HK$4,494/mo
▼ 0.25% · 3.875%
HK$73,905
−HK$2,265/mo
Today · 4.125%
HK$76,170
baseline
▲ 0.50% · 4.625%
HK$80,805
+HK$4,635/mo
Deposit HK$10.48M · loan HK$15.72M · min. income ≈ HK$152,340/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,113,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,738
−HK$4,309/mo
▼ 0.25% · 3.875%
HK$81,877
−HK$2,170/mo
Today · 4.125%
HK$84,047
baseline
▲ 0.50% · 4.625%
HK$88,477
+HK$4,430/mo
Deposit HK$10.48M · loan HK$15.72M · min. income ≈ HK$168,094/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,113,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,622
−HK$5,243/mo
▼ 0.25% · 3.875%
HK$86,223
−HK$2,642/mo
Today · 4.125%
HK$88,865
baseline
▲ 0.50% · 4.625%
HK$94,273
+HK$5,408/mo
Deposit HK$7.86M · loan HK$18.34M · min. income ≈ HK$177,730/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,113,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,028
−HK$5,026/mo
▼ 0.25% · 3.875%
HK$95,523
−HK$2,531/mo
Today · 4.125%
HK$98,054
baseline
▲ 0.50% · 4.625%
HK$103,223
+HK$5,169/mo
Deposit HK$7.86M · loan HK$18.34M · min. income ≈ HK$196,108/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,113,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,514
−HK$6,742/mo
▼ 0.25% · 3.875%
HK$110,858
−HK$3,398/mo
Today · 4.125%
HK$114,256
baseline
▲ 0.50% · 4.625%
HK$121,208
+HK$6,952/mo
Deposit HK$2.62M · loan HK$23.57M · min. income ≈ HK$228,512/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,113,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,608
−HK$6,462/mo
▼ 0.25% · 3.875%
HK$122,816
−HK$3,254/mo
Today · 4.125%
HK$126,070
baseline
▲ 0.50% · 4.625%
HK$132,715
+HK$6,645/mo
Deposit HK$2.62M · loan HK$23.57M · min. income ≈ HK$252,140/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,113,259 · Scale 2, in force from 26 Feb 2026)