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$59,849
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$61,711
−HK$1,891/mo
Today · 4.125%
HK$63,602
baseline
▲ 0.50% · 4.625%
HK$67,472
+HK$3,870/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$127,204/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,115,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,582
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$68,367
−HK$1,812/mo
Today · 4.125%
HK$70,179
baseline
▲ 0.50% · 4.625%
HK$73,878
+HK$3,699/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$140,358/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,115,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,819
−HK$4,504/mo
▼ 0.25% · 3.875%
HK$74,053
−HK$2,270/mo
Today · 4.125%
HK$76,323
baseline
▲ 0.50% · 4.625%
HK$80,967
+HK$4,644/mo
Deposit HK$10.50M · loan HK$15.75M · min. income ≈ HK$152,646/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,115,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,898
−HK$4,317/mo
▼ 0.25% · 3.875%
HK$82,041
−HK$2,174/mo
Today · 4.125%
HK$84,215
baseline
▲ 0.50% · 4.625%
HK$88,654
+HK$4,439/mo
Deposit HK$10.50M · loan HK$15.75M · min. income ≈ HK$168,430/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,115,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,789
−HK$5,254/mo
▼ 0.25% · 3.875%
HK$86,395
−HK$2,648/mo
Today · 4.125%
HK$89,043
baseline
▲ 0.50% · 4.625%
HK$94,461
+HK$5,418/mo
Deposit HK$7.87M · loan HK$18.37M · min. income ≈ HK$178,086/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,214
−HK$5,036/mo
▼ 0.25% · 3.875%
HK$95,714
−HK$2,536/mo
Today · 4.125%
HK$98,250
baseline
▲ 0.50% · 4.625%
HK$103,429
+HK$5,179/mo
Deposit HK$7.87M · loan HK$18.37M · min. income ≈ HK$196,500/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,729
−HK$6,755/mo
▼ 0.25% · 3.875%
HK$111,079
−HK$3,405/mo
Today · 4.125%
HK$114,484
baseline
▲ 0.50% · 4.625%
HK$121,450
+HK$6,966/mo
Deposit HK$2.62M · loan HK$23.62M · min. income ≈ HK$228,968/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,847
−HK$6,475/mo
▼ 0.25% · 3.875%
HK$123,061
−HK$3,261/mo
Today · 4.125%
HK$126,322
baseline
▲ 0.50% · 4.625%
HK$132,980
+HK$6,658/mo
Deposit HK$2.62M · loan HK$23.62M · min. income ≈ HK$252,644/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,485 · Scale 2, in force from 26 Feb 2026)