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$59,881
−HK$3,755/mo
▼ 0.25% · 3.875%
HK$61,744
−HK$1,892/mo
Today · 4.125%
HK$63,636
baseline
▲ 0.50% · 4.625%
HK$67,508
+HK$3,872/mo
Deposit HK$13.13M · loan HK$13.13M · min. income ≈ HK$127,272/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,116,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,617
−HK$3,599/mo
▼ 0.25% · 3.875%
HK$68,404
−HK$1,812/mo
Today · 4.125%
HK$70,216
baseline
▲ 0.50% · 4.625%
HK$73,917
+HK$3,701/mo
Deposit HK$13.13M · loan HK$13.13M · min. income ≈ HK$140,432/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,116,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,857
−HK$4,506/mo
▼ 0.25% · 3.875%
HK$74,092
−HK$2,271/mo
Today · 4.125%
HK$76,363
baseline
▲ 0.50% · 4.625%
HK$81,010
+HK$4,647/mo
Deposit HK$10.50M · loan HK$15.76M · min. income ≈ HK$152,726/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,116,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,940
−HK$4,319/mo
▼ 0.25% · 3.875%
HK$82,084
−HK$2,175/mo
Today · 4.125%
HK$84,259
baseline
▲ 0.50% · 4.625%
HK$88,701
+HK$4,442/mo
Deposit HK$10.50M · loan HK$15.76M · min. income ≈ HK$168,518/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,116,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,833
−HK$5,258/mo
▼ 0.25% · 3.875%
HK$86,441
−HK$2,650/mo
Today · 4.125%
HK$89,091
baseline
▲ 0.50% · 4.625%
HK$94,512
+HK$5,421/mo
Deposit HK$7.88M · loan HK$18.38M · min. income ≈ HK$178,182/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,116,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,264
−HK$5,039/mo
▼ 0.25% · 3.875%
HK$95,765
−HK$2,538/mo
Today · 4.125%
HK$98,303
baseline
▲ 0.50% · 4.625%
HK$103,484
+HK$5,181/mo
Deposit HK$7.88M · loan HK$18.38M · min. income ≈ HK$196,606/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,116,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,786
−HK$6,759/mo
▼ 0.25% · 3.875%
HK$111,139
−HK$3,406/mo
Today · 4.125%
HK$114,545
baseline
▲ 0.50% · 4.625%
HK$121,515
+HK$6,970/mo
Deposit HK$2.63M · loan HK$23.63M · min. income ≈ HK$229,090/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,116,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,911
−HK$6,478/mo
▼ 0.25% · 3.875%
HK$123,127
−HK$3,262/mo
Today · 4.125%
HK$126,389
baseline
▲ 0.50% · 4.625%
HK$133,051
+HK$6,662/mo
Deposit HK$2.63M · loan HK$23.63M · min. income ≈ HK$252,778/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,116,079 · Scale 2, in force from 26 Feb 2026)