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$59,835
−HK$3,752/mo
▼ 0.25% · 3.875%
HK$61,696
−HK$1,891/mo
Today · 4.125%
HK$63,587
baseline
▲ 0.50% · 4.625%
HK$67,457
+HK$3,870/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$127,174/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,115,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,566
−HK$3,596/mo
▼ 0.25% · 3.875%
HK$68,351
−HK$1,811/mo
Today · 4.125%
HK$70,162
baseline
▲ 0.50% · 4.625%
HK$73,861
+HK$3,699/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$140,324/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,115,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,802
−HK$4,503/mo
▼ 0.25% · 3.875%
HK$74,036
−HK$2,269/mo
Today · 4.125%
HK$76,305
baseline
▲ 0.50% · 4.625%
HK$80,948
+HK$4,643/mo
Deposit HK$10.50M · loan HK$15.74M · min. income ≈ HK$152,610/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,115,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,879
−HK$4,316/mo
▼ 0.25% · 3.875%
HK$82,022
−HK$2,173/mo
Today · 4.125%
HK$84,195
baseline
▲ 0.50% · 4.625%
HK$88,633
+HK$4,438/mo
Deposit HK$10.50M · loan HK$15.74M · min. income ≈ HK$168,390/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,115,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,769
−HK$5,253/mo
▼ 0.25% · 3.875%
HK$86,375
−HK$2,647/mo
Today · 4.125%
HK$89,022
baseline
▲ 0.50% · 4.625%
HK$94,439
+HK$5,417/mo
Deposit HK$7.87M · loan HK$18.37M · min. income ≈ HK$178,044/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,192
−HK$5,035/mo
▼ 0.25% · 3.875%
HK$95,692
−HK$2,535/mo
Today · 4.125%
HK$98,227
baseline
▲ 0.50% · 4.625%
HK$103,405
+HK$5,178/mo
Deposit HK$7.87M · loan HK$18.37M · min. income ≈ HK$196,454/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,703
−HK$6,754/mo
▼ 0.25% · 3.875%
HK$111,053
−HK$3,404/mo
Today · 4.125%
HK$114,457
baseline
▲ 0.50% · 4.625%
HK$121,422
+HK$6,965/mo
Deposit HK$2.62M · loan HK$23.62M · min. income ≈ HK$228,914/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,819
−HK$6,473/mo
▼ 0.25% · 3.875%
HK$123,032
−HK$3,260/mo
Today · 4.125%
HK$126,292
baseline
▲ 0.50% · 4.625%
HK$132,949
+HK$6,657/mo
Deposit HK$2.62M · loan HK$23.62M · min. income ≈ HK$252,584/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,224 · Scale 2, in force from 26 Feb 2026)