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$59,962
−HK$3,760/mo
▼ 0.25% · 3.875%
HK$61,827
−HK$1,895/mo
Today · 4.125%
HK$63,722
baseline
▲ 0.50% · 4.625%
HK$67,600
+HK$3,878/mo
Deposit HK$13.15M · loan HK$13.15M · min. income ≈ HK$127,444/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,117,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,707
−HK$3,604/mo
▼ 0.25% · 3.875%
HK$68,496
−HK$1,815/mo
Today · 4.125%
HK$70,311
baseline
▲ 0.50% · 4.625%
HK$74,017
+HK$3,706/mo
Deposit HK$13.15M · loan HK$13.15M · min. income ≈ HK$140,622/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,117,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,955
−HK$4,512/mo
▼ 0.25% · 3.875%
HK$74,193
−HK$2,274/mo
Today · 4.125%
HK$76,467
baseline
▲ 0.50% · 4.625%
HK$81,120
+HK$4,653/mo
Deposit HK$10.52M · loan HK$15.78M · min. income ≈ HK$152,934/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,117,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,049
−HK$4,324/mo
▼ 0.25% · 3.875%
HK$82,196
−HK$2,177/mo
Today · 4.125%
HK$84,373
baseline
▲ 0.50% · 4.625%
HK$88,821
+HK$4,448/mo
Deposit HK$10.52M · loan HK$15.78M · min. income ≈ HK$168,746/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,117,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,947
−HK$5,264/mo
▼ 0.25% · 3.875%
HK$86,558
−HK$2,653/mo
Today · 4.125%
HK$89,211
baseline
▲ 0.50% · 4.625%
HK$94,639
+HK$5,428/mo
Deposit HK$7.89M · loan HK$18.41M · min. income ≈ HK$178,422/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,117,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,390
−HK$5,046/mo
▼ 0.25% · 3.875%
HK$95,895
−HK$2,541/mo
Today · 4.125%
HK$98,436
baseline
▲ 0.50% · 4.625%
HK$103,624
+HK$5,188/mo
Deposit HK$7.89M · loan HK$18.41M · min. income ≈ HK$196,872/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,117,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,932
−HK$6,768/mo
▼ 0.25% · 3.875%
HK$111,289
−HK$3,411/mo
Today · 4.125%
HK$114,700
baseline
▲ 0.50% · 4.625%
HK$121,679
+HK$6,979/mo
Deposit HK$2.63M · loan HK$23.67M · min. income ≈ HK$229,400/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,117,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,073
−HK$6,487/mo
▼ 0.25% · 3.875%
HK$123,293
−HK$3,267/mo
Today · 4.125%
HK$126,560
baseline
▲ 0.50% · 4.625%
HK$133,231
+HK$6,671/mo
Deposit HK$2.63M · loan HK$23.67M · min. income ≈ HK$253,120/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,117,590 · Scale 2, in force from 26 Feb 2026)