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$59,907
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$61,771
−HK$1,893/mo
Today · 4.125%
HK$63,664
baseline
▲ 0.50% · 4.625%
HK$67,538
+HK$3,874/mo
Deposit HK$13.14M · loan HK$13.14M · min. income ≈ HK$127,328/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,116,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,646
−HK$3,601/mo
▼ 0.25% · 3.875%
HK$68,434
−HK$1,813/mo
Today · 4.125%
HK$70,247
baseline
▲ 0.50% · 4.625%
HK$73,950
+HK$3,703/mo
Deposit HK$13.14M · loan HK$13.14M · min. income ≈ HK$140,494/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,116,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,889
−HK$4,508/mo
▼ 0.25% · 3.875%
HK$74,125
−HK$2,272/mo
Today · 4.125%
HK$76,397
baseline
▲ 0.50% · 4.625%
HK$81,045
+HK$4,648/mo
Deposit HK$10.51M · loan HK$15.76M · min. income ≈ HK$152,794/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,116,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,975
−HK$4,321/mo
▼ 0.25% · 3.875%
HK$82,120
−HK$2,176/mo
Today · 4.125%
HK$84,296
baseline
▲ 0.50% · 4.625%
HK$88,740
+HK$4,444/mo
Deposit HK$10.51M · loan HK$15.76M · min. income ≈ HK$168,592/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,116,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,870
−HK$5,260/mo
▼ 0.25% · 3.875%
HK$86,479
−HK$2,651/mo
Today · 4.125%
HK$89,130
baseline
▲ 0.50% · 4.625%
HK$94,553
+HK$5,423/mo
Deposit HK$7.88M · loan HK$18.39M · min. income ≈ HK$178,260/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,116,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,305
−HK$5,041/mo
▼ 0.25% · 3.875%
HK$95,807
−HK$2,539/mo
Today · 4.125%
HK$98,346
baseline
▲ 0.50% · 4.625%
HK$103,530
+HK$5,184/mo
Deposit HK$7.88M · loan HK$18.39M · min. income ≈ HK$196,692/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,116,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,833
−HK$6,762/mo
▼ 0.25% · 3.875%
HK$111,187
−HK$3,408/mo
Today · 4.125%
HK$114,595
baseline
▲ 0.50% · 4.625%
HK$121,568
+HK$6,973/mo
Deposit HK$2.63M · loan HK$23.64M · min. income ≈ HK$229,190/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,116,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,963
−HK$6,481/mo
▼ 0.25% · 3.875%
HK$123,180
−HK$3,264/mo
Today · 4.125%
HK$126,444
baseline
▲ 0.50% · 4.625%
HK$133,109
+HK$6,665/mo
Deposit HK$2.63M · loan HK$23.64M · min. income ≈ HK$252,888/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,116,567 · Scale 2, in force from 26 Feb 2026)