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$60,042
−HK$3,765/mo
▼ 0.25% · 3.875%
HK$61,910
−HK$1,897/mo
Today · 4.125%
HK$63,807
baseline
▲ 0.50% · 4.625%
HK$67,690
+HK$3,883/mo
Deposit HK$13.17M · loan HK$13.17M · min. income ≈ HK$127,614/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,119,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,796
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$68,588
−HK$1,817/mo
Today · 4.125%
HK$70,405
baseline
▲ 0.50% · 4.625%
HK$74,116
+HK$3,711/mo
Deposit HK$13.17M · loan HK$13.17M · min. income ≈ HK$140,810/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,119,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,050
−HK$4,519/mo
▼ 0.25% · 3.875%
HK$74,292
−HK$2,277/mo
Today · 4.125%
HK$76,569
baseline
▲ 0.50% · 4.625%
HK$81,228
+HK$4,659/mo
Deposit HK$10.53M · loan HK$15.80M · min. income ≈ HK$153,138/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,119,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,155
−HK$4,331/mo
▼ 0.25% · 3.875%
HK$82,305
−HK$2,181/mo
Today · 4.125%
HK$84,486
baseline
▲ 0.50% · 4.625%
HK$88,939
+HK$4,453/mo
Deposit HK$10.53M · loan HK$15.80M · min. income ≈ HK$168,972/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,119,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,059
−HK$5,271/mo
▼ 0.25% · 3.875%
HK$86,674
−HK$2,656/mo
Today · 4.125%
HK$89,330
baseline
▲ 0.50% · 4.625%
HK$94,766
+HK$5,436/mo
Deposit HK$7.90M · loan HK$18.43M · min. income ≈ HK$178,660/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,119,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,515
−HK$5,052/mo
▼ 0.25% · 3.875%
HK$96,023
−HK$2,544/mo
Today · 4.125%
HK$98,567
baseline
▲ 0.50% · 4.625%
HK$103,762
+HK$5,195/mo
Deposit HK$7.90M · loan HK$18.43M · min. income ≈ HK$197,134/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,119,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,076
−HK$6,777/mo
▼ 0.25% · 3.875%
HK$111,437
−HK$3,416/mo
Today · 4.125%
HK$114,853
baseline
▲ 0.50% · 4.625%
HK$121,841
+HK$6,988/mo
Deposit HK$2.63M · loan HK$23.70M · min. income ≈ HK$229,706/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,119,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,233
−HK$6,496/mo
▼ 0.25% · 3.875%
HK$123,458
−HK$3,271/mo
Today · 4.125%
HK$126,729
baseline
▲ 0.50% · 4.625%
HK$133,409
+HK$6,680/mo
Deposit HK$2.63M · loan HK$23.70M · min. income ≈ HK$253,458/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,119,079 · Scale 2, in force from 26 Feb 2026)