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$59,891
−HK$3,755/mo
▼ 0.25% · 3.875%
HK$61,754
−HK$1,892/mo
Today · 4.125%
HK$63,646
baseline
▲ 0.50% · 4.625%
HK$67,519
+HK$3,873/mo
Deposit HK$13.13M · loan HK$13.13M · min. income ≈ HK$127,292/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,116,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,628
−HK$3,599/mo
▼ 0.25% · 3.875%
HK$68,415
−HK$1,812/mo
Today · 4.125%
HK$70,227
baseline
▲ 0.50% · 4.625%
HK$73,929
+HK$3,702/mo
Deposit HK$13.13M · loan HK$13.13M · min. income ≈ HK$140,454/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,116,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,869
−HK$4,507/mo
▼ 0.25% · 3.875%
HK$74,104
−HK$2,272/mo
Today · 4.125%
HK$76,376
baseline
▲ 0.50% · 4.625%
HK$81,023
+HK$4,647/mo
Deposit HK$10.51M · loan HK$15.76M · min. income ≈ HK$152,752/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,116,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,953
−HK$4,320/mo
▼ 0.25% · 3.875%
HK$82,098
−HK$2,175/mo
Today · 4.125%
HK$84,273
baseline
▲ 0.50% · 4.625%
HK$88,715
+HK$4,442/mo
Deposit HK$10.51M · loan HK$15.76M · min. income ≈ HK$168,546/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,116,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,847
−HK$5,258/mo
▼ 0.25% · 3.875%
HK$86,455
−HK$2,650/mo
Today · 4.125%
HK$89,105
baseline
▲ 0.50% · 4.625%
HK$94,527
+HK$5,422/mo
Deposit HK$7.88M · loan HK$18.39M · min. income ≈ HK$178,210/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,116,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,279
−HK$5,039/mo
▼ 0.25% · 3.875%
HK$95,781
−HK$2,537/mo
Today · 4.125%
HK$98,318
baseline
▲ 0.50% · 4.625%
HK$103,501
+HK$5,183/mo
Deposit HK$7.88M · loan HK$18.39M · min. income ≈ HK$196,636/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,116,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,803
−HK$6,760/mo
▼ 0.25% · 3.875%
HK$111,156
−HK$3,407/mo
Today · 4.125%
HK$114,563
baseline
▲ 0.50% · 4.625%
HK$121,534
+HK$6,971/mo
Deposit HK$2.63M · loan HK$23.64M · min. income ≈ HK$229,126/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,116,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,930
−HK$6,479/mo
▼ 0.25% · 3.875%
HK$123,146
−HK$3,263/mo
Today · 4.125%
HK$126,409
baseline
▲ 0.50% · 4.625%
HK$133,073
+HK$6,664/mo
Deposit HK$2.63M · loan HK$23.64M · min. income ≈ HK$252,818/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,116,258 · Scale 2, in force from 26 Feb 2026)