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$59,946
−HK$3,759/mo
▼ 0.25% · 3.875%
HK$61,810
−HK$1,895/mo
Today · 4.125%
HK$63,705
baseline
▲ 0.50% · 4.625%
HK$67,581
+HK$3,876/mo
Deposit HK$13.14M · loan HK$13.14M · min. income ≈ HK$127,410/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,117,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,689
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$68,477
−HK$1,815/mo
Today · 4.125%
HK$70,292
baseline
▲ 0.50% · 4.625%
HK$73,997
+HK$3,705/mo
Deposit HK$13.14M · loan HK$13.14M · min. income ≈ HK$140,584/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,117,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,935
−HK$4,511/mo
▼ 0.25% · 3.875%
HK$74,172
−HK$2,274/mo
Today · 4.125%
HK$76,446
baseline
▲ 0.50% · 4.625%
HK$81,097
+HK$4,651/mo
Deposit HK$10.52M · loan HK$15.77M · min. income ≈ HK$152,892/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,117,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,027
−HK$4,323/mo
▼ 0.25% · 3.875%
HK$82,173
−HK$2,177/mo
Today · 4.125%
HK$84,350
baseline
▲ 0.50% · 4.625%
HK$88,796
+HK$4,446/mo
Deposit HK$10.52M · loan HK$15.77M · min. income ≈ HK$168,700/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,117,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,924
−HK$5,263/mo
▼ 0.25% · 3.875%
HK$86,534
−HK$2,653/mo
Today · 4.125%
HK$89,187
baseline
▲ 0.50% · 4.625%
HK$94,613
+HK$5,426/mo
Deposit HK$7.89M · loan HK$18.40M · min. income ≈ HK$178,374/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,117,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,364
−HK$5,045/mo
▼ 0.25% · 3.875%
HK$95,868
−HK$2,541/mo
Today · 4.125%
HK$98,409
baseline
▲ 0.50% · 4.625%
HK$103,596
+HK$5,187/mo
Deposit HK$7.89M · loan HK$18.40M · min. income ≈ HK$196,818/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,117,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,902
−HK$6,766/mo
▼ 0.25% · 3.875%
HK$111,258
−HK$3,410/mo
Today · 4.125%
HK$114,668
baseline
▲ 0.50% · 4.625%
HK$121,646
+HK$6,978/mo
Deposit HK$2.63M · loan HK$23.66M · min. income ≈ HK$229,336/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,117,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,040
−HK$6,485/mo
▼ 0.25% · 3.875%
HK$123,259
−HK$3,266/mo
Today · 4.125%
HK$126,525
baseline
▲ 0.50% · 4.625%
HK$133,195
+HK$6,670/mo
Deposit HK$2.63M · loan HK$23.66M · min. income ≈ HK$253,050/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,117,281 · Scale 2, in force from 26 Feb 2026)