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$59,805
−HK$3,750/mo
▼ 0.25% · 3.875%
HK$61,665
−HK$1,890/mo
Today · 4.125%
HK$63,555
baseline
▲ 0.50% · 4.625%
HK$67,422
+HK$3,867/mo
Deposit HK$13.11M · loan HK$13.11M · min. income ≈ HK$127,110/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,114,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,532
−HK$3,594/mo
▼ 0.25% · 3.875%
HK$68,316
−HK$1,810/mo
Today · 4.125%
HK$70,126
baseline
▲ 0.50% · 4.625%
HK$73,823
+HK$3,697/mo
Deposit HK$13.11M · loan HK$13.11M · min. income ≈ HK$140,252/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,114,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,765
−HK$4,501/mo
▼ 0.25% · 3.875%
HK$73,998
−HK$2,268/mo
Today · 4.125%
HK$76,266
baseline
▲ 0.50% · 4.625%
HK$80,906
+HK$4,640/mo
Deposit HK$10.49M · loan HK$15.74M · min. income ≈ HK$152,532/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,114,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,838
−HK$4,314/mo
▼ 0.25% · 3.875%
HK$81,980
−HK$2,172/mo
Today · 4.125%
HK$84,152
baseline
▲ 0.50% · 4.625%
HK$88,588
+HK$4,436/mo
Deposit HK$10.49M · loan HK$15.74M · min. income ≈ HK$168,304/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,114,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,726
−HK$5,251/mo
▼ 0.25% · 3.875%
HK$86,331
−HK$2,646/mo
Today · 4.125%
HK$88,977
baseline
▲ 0.50% · 4.625%
HK$94,391
+HK$5,414/mo
Deposit HK$7.87M · loan HK$18.36M · min. income ≈ HK$177,954/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,114,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,145
−HK$5,032/mo
▼ 0.25% · 3.875%
HK$95,643
−HK$2,534/mo
Today · 4.125%
HK$98,177
baseline
▲ 0.50% · 4.625%
HK$103,352
+HK$5,175/mo
Deposit HK$7.87M · loan HK$18.36M · min. income ≈ HK$196,354/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,114,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,648
−HK$6,751/mo
▼ 0.25% · 3.875%
HK$110,997
−HK$3,402/mo
Today · 4.125%
HK$114,399
baseline
▲ 0.50% · 4.625%
HK$121,360
+HK$6,961/mo
Deposit HK$2.62M · loan HK$23.60M · min. income ≈ HK$228,798/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,758
−HK$6,470/mo
▼ 0.25% · 3.875%
HK$122,969
−HK$3,259/mo
Today · 4.125%
HK$126,228
baseline
▲ 0.50% · 4.625%
HK$132,881
+HK$6,653/mo
Deposit HK$2.62M · loan HK$23.60M · min. income ≈ HK$252,456/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,653 · Scale 2, in force from 26 Feb 2026)