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$59,805
−HK$3,750/mo
▼ 0.25% · 3.875%
HK$61,665
−HK$1,890/mo
Today · 4.125%
HK$63,555
baseline
▲ 0.50% · 4.625%
HK$67,423
+HK$3,868/mo
Deposit HK$13.11M · loan HK$13.11M · min. income ≈ HK$127,110/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,114,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,532
−HK$3,595/mo
▼ 0.25% · 3.875%
HK$68,317
−HK$1,810/mo
Today · 4.125%
HK$70,127
baseline
▲ 0.50% · 4.625%
HK$73,824
+HK$3,697/mo
Deposit HK$13.11M · loan HK$13.11M · min. income ≈ HK$140,254/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,114,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,766
−HK$4,500/mo
▼ 0.25% · 3.875%
HK$73,998
−HK$2,268/mo
Today · 4.125%
HK$76,266
baseline
▲ 0.50% · 4.625%
HK$80,907
+HK$4,641/mo
Deposit HK$10.49M · loan HK$15.74M · min. income ≈ HK$152,532/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,114,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,839
−HK$4,313/mo
▼ 0.25% · 3.875%
HK$81,980
−HK$2,172/mo
Today · 4.125%
HK$84,152
baseline
▲ 0.50% · 4.625%
HK$88,588
+HK$4,436/mo
Deposit HK$10.49M · loan HK$15.74M · min. income ≈ HK$168,304/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,114,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,727
−HK$5,250/mo
▼ 0.25% · 3.875%
HK$86,331
−HK$2,646/mo
Today · 4.125%
HK$88,977
baseline
▲ 0.50% · 4.625%
HK$94,392
+HK$5,415/mo
Deposit HK$7.87M · loan HK$18.36M · min. income ≈ HK$177,954/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,114,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,145
−HK$5,033/mo
▼ 0.25% · 3.875%
HK$95,644
−HK$2,534/mo
Today · 4.125%
HK$98,178
baseline
▲ 0.50% · 4.625%
HK$103,353
+HK$5,175/mo
Deposit HK$7.87M · loan HK$18.36M · min. income ≈ HK$196,356/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,114,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,649
−HK$6,751/mo
▼ 0.25% · 3.875%
HK$110,998
−HK$3,402/mo
Today · 4.125%
HK$114,400
baseline
▲ 0.50% · 4.625%
HK$121,361
+HK$6,961/mo
Deposit HK$2.62M · loan HK$23.60M · min. income ≈ HK$228,800/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,758
−HK$6,471/mo
▼ 0.25% · 3.875%
HK$122,970
−HK$3,259/mo
Today · 4.125%
HK$126,229
baseline
▲ 0.50% · 4.625%
HK$132,882
+HK$6,653/mo
Deposit HK$2.62M · loan HK$23.60M · min. income ≈ HK$252,458/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,662 · Scale 2, in force from 26 Feb 2026)