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$59,812
−HK$3,751/mo
▼ 0.25% · 3.875%
HK$61,673
−HK$1,890/mo
Today · 4.125%
HK$63,563
baseline
▲ 0.50% · 4.625%
HK$67,431
+HK$3,868/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$127,126/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,114,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,541
−HK$3,595/mo
▼ 0.25% · 3.875%
HK$68,325
−HK$1,811/mo
Today · 4.125%
HK$70,136
baseline
▲ 0.50% · 4.625%
HK$73,833
+HK$3,697/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$140,272/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,114,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,775
−HK$4,501/mo
▼ 0.25% · 3.875%
HK$74,007
−HK$2,269/mo
Today · 4.125%
HK$76,276
baseline
▲ 0.50% · 4.625%
HK$80,917
+HK$4,641/mo
Deposit HK$10.49M · loan HK$15.74M · min. income ≈ HK$152,552/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,114,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,849
−HK$4,314/mo
▼ 0.25% · 3.875%
HK$81,990
−HK$2,173/mo
Today · 4.125%
HK$84,163
baseline
▲ 0.50% · 4.625%
HK$88,599
+HK$4,436/mo
Deposit HK$10.49M · loan HK$15.74M · min. income ≈ HK$168,326/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,114,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,737
−HK$5,251/mo
▼ 0.25% · 3.875%
HK$86,342
−HK$2,646/mo
Today · 4.125%
HK$88,988
baseline
▲ 0.50% · 4.625%
HK$94,403
+HK$5,415/mo
Deposit HK$7.87M · loan HK$18.36M · min. income ≈ HK$177,976/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,114,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,157
−HK$5,033/mo
▼ 0.25% · 3.875%
HK$95,655
−HK$2,535/mo
Today · 4.125%
HK$98,190
baseline
▲ 0.50% · 4.625%
HK$103,366
+HK$5,176/mo
Deposit HK$7.87M · loan HK$18.36M · min. income ≈ HK$196,380/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,114,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,662
−HK$6,752/mo
▼ 0.25% · 3.875%
HK$111,011
−HK$3,403/mo
Today · 4.125%
HK$114,414
baseline
▲ 0.50% · 4.625%
HK$121,375
+HK$6,961/mo
Deposit HK$2.62M · loan HK$23.61M · min. income ≈ HK$228,828/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,773
−HK$6,471/mo
▼ 0.25% · 3.875%
HK$122,985
−HK$3,259/mo
Today · 4.125%
HK$126,244
baseline
▲ 0.50% · 4.625%
HK$132,899
+HK$6,655/mo
Deposit HK$2.62M · loan HK$23.61M · min. income ≈ HK$252,488/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,798 · Scale 2, in force from 26 Feb 2026)