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$59,757
−HK$3,747/mo
▼ 0.25% · 3.875%
HK$61,616
−HK$1,888/mo
Today · 4.125%
HK$63,504
baseline
▲ 0.50% · 4.625%
HK$67,368
+HK$3,864/mo
Deposit HK$13.10M · loan HK$13.10M · min. income ≈ HK$127,008/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,113,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,479
−HK$3,592/mo
▼ 0.25% · 3.875%
HK$68,262
−HK$1,809/mo
Today · 4.125%
HK$70,071
baseline
▲ 0.50% · 4.625%
HK$73,764
+HK$3,693/mo
Deposit HK$13.10M · loan HK$13.10M · min. income ≈ HK$140,142/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,113,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,708
−HK$4,497/mo
▼ 0.25% · 3.875%
HK$73,939
−HK$2,266/mo
Today · 4.125%
HK$76,205
baseline
▲ 0.50% · 4.625%
HK$80,842
+HK$4,637/mo
Deposit HK$10.48M · loan HK$15.72M · min. income ≈ HK$152,410/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,113,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,775
−HK$4,310/mo
▼ 0.25% · 3.875%
HK$81,914
−HK$2,171/mo
Today · 4.125%
HK$84,085
baseline
▲ 0.50% · 4.625%
HK$88,517
+HK$4,432/mo
Deposit HK$10.48M · loan HK$15.72M · min. income ≈ HK$168,170/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,113,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,660
−HK$5,246/mo
▼ 0.25% · 3.875%
HK$86,262
−HK$2,644/mo
Today · 4.125%
HK$88,906
baseline
▲ 0.50% · 4.625%
HK$94,315
+HK$5,409/mo
Deposit HK$7.86M · loan HK$18.34M · min. income ≈ HK$177,812/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,113,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,070
−HK$5,029/mo
▼ 0.25% · 3.875%
HK$95,567
−HK$2,532/mo
Today · 4.125%
HK$98,099
baseline
▲ 0.50% · 4.625%
HK$103,270
+HK$5,171/mo
Deposit HK$7.86M · loan HK$18.34M · min. income ≈ HK$196,198/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,113,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,562
−HK$6,745/mo
▼ 0.25% · 3.875%
HK$110,908
−HK$3,399/mo
Today · 4.125%
HK$114,307
baseline
▲ 0.50% · 4.625%
HK$121,263
+HK$6,956/mo
Deposit HK$2.62M · loan HK$23.59M · min. income ≈ HK$228,614/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,113,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,662
−HK$6,465/mo
▼ 0.25% · 3.875%
HK$122,871
−HK$3,256/mo
Today · 4.125%
HK$126,127
baseline
▲ 0.50% · 4.625%
HK$132,775
+HK$6,648/mo
Deposit HK$2.62M · loan HK$23.59M · min. income ≈ HK$252,254/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,113,764 · Scale 2, in force from 26 Feb 2026)