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$59,800
−HK$3,750/mo
▼ 0.25% · 3.875%
HK$61,660
−HK$1,890/mo
Today · 4.125%
HK$63,550
baseline
▲ 0.50% · 4.625%
HK$67,417
+HK$3,867/mo
Deposit HK$13.11M · loan HK$13.11M · min. income ≈ HK$127,100/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,114,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,527
−HK$3,594/mo
▼ 0.25% · 3.875%
HK$68,311
−HK$1,810/mo
Today · 4.125%
HK$70,121
baseline
▲ 0.50% · 4.625%
HK$73,817
+HK$3,696/mo
Deposit HK$13.11M · loan HK$13.11M · min. income ≈ HK$140,242/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,114,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,760
−HK$4,500/mo
▼ 0.25% · 3.875%
HK$73,992
−HK$2,268/mo
Today · 4.125%
HK$76,260
baseline
▲ 0.50% · 4.625%
HK$80,900
+HK$4,640/mo
Deposit HK$10.49M · loan HK$15.74M · min. income ≈ HK$152,520/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,114,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,832
−HK$4,313/mo
▼ 0.25% · 3.875%
HK$81,973
−HK$2,172/mo
Today · 4.125%
HK$84,145
baseline
▲ 0.50% · 4.625%
HK$88,581
+HK$4,436/mo
Deposit HK$10.49M · loan HK$15.74M · min. income ≈ HK$168,290/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,114,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,720
−HK$5,250/mo
▼ 0.25% · 3.875%
HK$86,324
−HK$2,646/mo
Today · 4.125%
HK$88,970
baseline
▲ 0.50% · 4.625%
HK$94,383
+HK$5,413/mo
Deposit HK$7.87M · loan HK$18.36M · min. income ≈ HK$177,940/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,114,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,137
−HK$5,032/mo
▼ 0.25% · 3.875%
HK$95,635
−HK$2,534/mo
Today · 4.125%
HK$98,169
baseline
▲ 0.50% · 4.625%
HK$103,344
+HK$5,175/mo
Deposit HK$7.87M · loan HK$18.36M · min. income ≈ HK$196,338/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,114,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,640
−HK$6,750/mo
▼ 0.25% · 3.875%
HK$110,988
−HK$3,402/mo
Today · 4.125%
HK$114,390
baseline
▲ 0.50% · 4.625%
HK$121,350
+HK$6,960/mo
Deposit HK$2.62M · loan HK$23.60M · min. income ≈ HK$228,780/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,748
−HK$6,470/mo
▼ 0.25% · 3.875%
HK$122,960
−HK$3,258/mo
Today · 4.125%
HK$126,218
baseline
▲ 0.50% · 4.625%
HK$132,871
+HK$6,653/mo
Deposit HK$2.62M · loan HK$23.60M · min. income ≈ HK$252,436/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,565 · Scale 2, in force from 26 Feb 2026)