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$59,844
−HK$3,752/mo
▼ 0.25% · 3.875%
HK$61,705
−HK$1,891/mo
Today · 4.125%
HK$63,596
baseline
▲ 0.50% · 4.625%
HK$67,466
+HK$3,870/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$127,192/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,115,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,576
−HK$3,596/mo
▼ 0.25% · 3.875%
HK$68,361
−HK$1,811/mo
Today · 4.125%
HK$70,172
baseline
▲ 0.50% · 4.625%
HK$73,871
+HK$3,699/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$140,344/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,115,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,812
−HK$4,504/mo
▼ 0.25% · 3.875%
HK$74,046
−HK$2,270/mo
Today · 4.125%
HK$76,316
baseline
▲ 0.50% · 4.625%
HK$80,959
+HK$4,643/mo
Deposit HK$10.50M · loan HK$15.75M · min. income ≈ HK$152,632/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,115,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,891
−HK$4,316/mo
▼ 0.25% · 3.875%
HK$82,033
−HK$2,174/mo
Today · 4.125%
HK$84,207
baseline
▲ 0.50% · 4.625%
HK$88,646
+HK$4,439/mo
Deposit HK$10.50M · loan HK$15.75M · min. income ≈ HK$168,414/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,115,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,781
−HK$5,254/mo
▼ 0.25% · 3.875%
HK$86,387
−HK$2,648/mo
Today · 4.125%
HK$89,035
baseline
▲ 0.50% · 4.625%
HK$94,453
+HK$5,418/mo
Deposit HK$7.87M · loan HK$18.37M · min. income ≈ HK$178,070/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,206
−HK$5,035/mo
▼ 0.25% · 3.875%
HK$95,705
−HK$2,536/mo
Today · 4.125%
HK$98,241
baseline
▲ 0.50% · 4.625%
HK$103,420
+HK$5,179/mo
Deposit HK$7.87M · loan HK$18.37M · min. income ≈ HK$196,482/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,719
−HK$6,755/mo
▼ 0.25% · 3.875%
HK$111,069
−HK$3,405/mo
Today · 4.125%
HK$114,474
baseline
▲ 0.50% · 4.625%
HK$121,439
+HK$6,965/mo
Deposit HK$2.62M · loan HK$23.62M · min. income ≈ HK$228,948/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,836
−HK$6,474/mo
▼ 0.25% · 3.875%
HK$123,050
−HK$3,260/mo
Today · 4.125%
HK$126,310
baseline
▲ 0.50% · 4.625%
HK$132,968
+HK$6,658/mo
Deposit HK$2.62M · loan HK$23.62M · min. income ≈ HK$252,620/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,382 · Scale 2, in force from 26 Feb 2026)