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$59,806
−HK$3,750/mo
▼ 0.25% · 3.875%
HK$61,666
−HK$1,890/mo
Today · 4.125%
HK$63,556
baseline
▲ 0.50% · 4.625%
HK$67,424
+HK$3,868/mo
Deposit HK$13.11M · loan HK$13.11M · min. income ≈ HK$127,112/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,114,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,534
−HK$3,594/mo
▼ 0.25% · 3.875%
HK$68,318
−HK$1,810/mo
Today · 4.125%
HK$70,128
baseline
▲ 0.50% · 4.625%
HK$73,825
+HK$3,697/mo
Deposit HK$13.11M · loan HK$13.11M · min. income ≈ HK$140,256/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,114,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,767
−HK$4,501/mo
▼ 0.25% · 3.875%
HK$74,000
−HK$2,268/mo
Today · 4.125%
HK$76,268
baseline
▲ 0.50% · 4.625%
HK$80,908
+HK$4,640/mo
Deposit HK$10.49M · loan HK$15.74M · min. income ≈ HK$152,536/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,114,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,840
−HK$4,314/mo
▼ 0.25% · 3.875%
HK$81,982
−HK$2,172/mo
Today · 4.125%
HK$84,154
baseline
▲ 0.50% · 4.625%
HK$88,590
+HK$4,436/mo
Deposit HK$10.49M · loan HK$15.74M · min. income ≈ HK$168,308/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,114,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,729
−HK$5,250/mo
▼ 0.25% · 3.875%
HK$86,333
−HK$2,646/mo
Today · 4.125%
HK$88,979
baseline
▲ 0.50% · 4.625%
HK$94,393
+HK$5,414/mo
Deposit HK$7.87M · loan HK$18.36M · min. income ≈ HK$177,958/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,114,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,147
−HK$5,033/mo
▼ 0.25% · 3.875%
HK$95,645
−HK$2,535/mo
Today · 4.125%
HK$98,180
baseline
▲ 0.50% · 4.625%
HK$103,355
+HK$5,175/mo
Deposit HK$7.87M · loan HK$18.36M · min. income ≈ HK$196,360/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,114,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,651
−HK$6,751/mo
▼ 0.25% · 3.875%
HK$111,000
−HK$3,402/mo
Today · 4.125%
HK$114,402
baseline
▲ 0.50% · 4.625%
HK$121,363
+HK$6,961/mo
Deposit HK$2.62M · loan HK$23.61M · min. income ≈ HK$228,804/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,761
−HK$6,470/mo
▼ 0.25% · 3.875%
HK$122,973
−HK$3,258/mo
Today · 4.125%
HK$126,231
baseline
▲ 0.50% · 4.625%
HK$132,885
+HK$6,654/mo
Deposit HK$2.62M · loan HK$23.61M · min. income ≈ HK$252,462/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,682 · Scale 2, in force from 26 Feb 2026)