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$59,807
−HK$3,750/mo
▼ 0.25% · 3.875%
HK$61,667
−HK$1,890/mo
Today · 4.125%
HK$63,557
baseline
▲ 0.50% · 4.625%
HK$67,425
+HK$3,868/mo
Deposit HK$13.11M · loan HK$13.11M · min. income ≈ HK$127,114/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,114,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,535
−HK$3,594/mo
▼ 0.25% · 3.875%
HK$68,319
−HK$1,810/mo
Today · 4.125%
HK$70,129
baseline
▲ 0.50% · 4.625%
HK$73,826
+HK$3,697/mo
Deposit HK$13.11M · loan HK$13.11M · min. income ≈ HK$140,258/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,114,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,768
−HK$4,501/mo
▼ 0.25% · 3.875%
HK$74,001
−HK$2,268/mo
Today · 4.125%
HK$76,269
baseline
▲ 0.50% · 4.625%
HK$80,910
+HK$4,641/mo
Deposit HK$10.49M · loan HK$15.74M · min. income ≈ HK$152,538/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,114,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,842
−HK$4,313/mo
▼ 0.25% · 3.875%
HK$81,983
−HK$2,172/mo
Today · 4.125%
HK$84,155
baseline
▲ 0.50% · 4.625%
HK$88,591
+HK$4,436/mo
Deposit HK$10.49M · loan HK$15.74M · min. income ≈ HK$168,310/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,114,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,730
−HK$5,250/mo
▼ 0.25% · 3.875%
HK$86,334
−HK$2,646/mo
Today · 4.125%
HK$88,980
baseline
▲ 0.50% · 4.625%
HK$94,395
+HK$5,415/mo
Deposit HK$7.87M · loan HK$18.36M · min. income ≈ HK$177,960/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,114,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,149
−HK$5,032/mo
▼ 0.25% · 3.875%
HK$95,647
−HK$2,534/mo
Today · 4.125%
HK$98,181
baseline
▲ 0.50% · 4.625%
HK$103,356
+HK$5,175/mo
Deposit HK$7.87M · loan HK$18.36M · min. income ≈ HK$196,362/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,114,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,653
−HK$6,750/mo
▼ 0.25% · 3.875%
HK$111,001
−HK$3,402/mo
Today · 4.125%
HK$114,403
baseline
▲ 0.50% · 4.625%
HK$121,365
+HK$6,962/mo
Deposit HK$2.62M · loan HK$23.61M · min. income ≈ HK$228,806/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,762
−HK$6,471/mo
▼ 0.25% · 3.875%
HK$122,974
−HK$3,259/mo
Today · 4.125%
HK$126,233
baseline
▲ 0.50% · 4.625%
HK$132,887
+HK$6,654/mo
Deposit HK$2.62M · loan HK$23.61M · min. income ≈ HK$252,466/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,698 · Scale 2, in force from 26 Feb 2026)