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$59,936
−HK$3,758/mo
▼ 0.25% · 3.875%
HK$61,800
−HK$1,894/mo
Today · 4.125%
HK$63,694
baseline
▲ 0.50% · 4.625%
HK$67,570
+HK$3,876/mo
Deposit HK$13.14M · loan HK$13.14M · min. income ≈ HK$127,388/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,117,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,678
−HK$3,602/mo
▼ 0.25% · 3.875%
HK$68,466
−HK$1,814/mo
Today · 4.125%
HK$70,280
baseline
▲ 0.50% · 4.625%
HK$73,985
+HK$3,705/mo
Deposit HK$13.14M · loan HK$13.14M · min. income ≈ HK$140,560/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,117,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,923
−HK$4,510/mo
▼ 0.25% · 3.875%
HK$74,160
−HK$2,273/mo
Today · 4.125%
HK$76,433
baseline
▲ 0.50% · 4.625%
HK$81,084
+HK$4,651/mo
Deposit HK$10.51M · loan HK$15.77M · min. income ≈ HK$152,866/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,117,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,014
−HK$4,322/mo
▼ 0.25% · 3.875%
HK$82,159
−HK$2,177/mo
Today · 4.125%
HK$84,336
baseline
▲ 0.50% · 4.625%
HK$88,782
+HK$4,446/mo
Deposit HK$10.51M · loan HK$15.77M · min. income ≈ HK$168,672/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,117,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,910
−HK$5,262/mo
▼ 0.25% · 3.875%
HK$86,520
−HK$2,652/mo
Today · 4.125%
HK$89,172
baseline
▲ 0.50% · 4.625%
HK$94,598
+HK$5,426/mo
Deposit HK$7.89M · loan HK$18.40M · min. income ≈ HK$178,344/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,117,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,349
−HK$5,043/mo
▼ 0.25% · 3.875%
HK$95,853
−HK$2,539/mo
Today · 4.125%
HK$98,392
baseline
▲ 0.50% · 4.625%
HK$103,579
+HK$5,187/mo
Deposit HK$7.89M · loan HK$18.40M · min. income ≈ HK$196,784/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,117,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,884
−HK$6,766/mo
▼ 0.25% · 3.875%
HK$111,240
−HK$3,410/mo
Today · 4.125%
HK$114,650
baseline
▲ 0.50% · 4.625%
HK$121,626
+HK$6,976/mo
Deposit HK$2.63M · loan HK$23.66M · min. income ≈ HK$229,300/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,117,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,020
−HK$6,485/mo
▼ 0.25% · 3.875%
HK$123,239
−HK$3,266/mo
Today · 4.125%
HK$126,505
baseline
▲ 0.50% · 4.625%
HK$133,173
+HK$6,668/mo
Deposit HK$2.63M · loan HK$23.66M · min. income ≈ HK$253,010/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,117,099 · Scale 2, in force from 26 Feb 2026)