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$59,728
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$61,586
−HK$1,887/mo
Today · 4.125%
HK$63,473
baseline
▲ 0.50% · 4.625%
HK$67,335
+HK$3,862/mo
Deposit HK$13.10M · loan HK$13.10M · min. income ≈ HK$126,946/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,113,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,447
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$68,229
−HK$1,807/mo
Today · 4.125%
HK$70,036
baseline
▲ 0.50% · 4.625%
HK$73,728
+HK$3,692/mo
Deposit HK$13.10M · loan HK$13.10M · min. income ≈ HK$140,072/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,113,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,673
−HK$4,495/mo
▼ 0.25% · 3.875%
HK$73,903
−HK$2,265/mo
Today · 4.125%
HK$76,168
baseline
▲ 0.50% · 4.625%
HK$80,803
+HK$4,635/mo
Deposit HK$10.48M · loan HK$15.72M · min. income ≈ HK$152,336/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,113,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,736
−HK$4,308/mo
▼ 0.25% · 3.875%
HK$81,874
−HK$2,170/mo
Today · 4.125%
HK$84,044
baseline
▲ 0.50% · 4.625%
HK$88,474
+HK$4,430/mo
Deposit HK$10.48M · loan HK$15.72M · min. income ≈ HK$168,088/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,113,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,619
−HK$5,244/mo
▼ 0.25% · 3.875%
HK$86,220
−HK$2,643/mo
Today · 4.125%
HK$88,863
baseline
▲ 0.50% · 4.625%
HK$94,270
+HK$5,407/mo
Deposit HK$7.86M · loan HK$18.34M · min. income ≈ HK$177,726/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,113,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,025
−HK$5,026/mo
▼ 0.25% · 3.875%
HK$95,520
−HK$2,531/mo
Today · 4.125%
HK$98,051
baseline
▲ 0.50% · 4.625%
HK$103,219
+HK$5,168/mo
Deposit HK$7.86M · loan HK$18.34M · min. income ≈ HK$196,102/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,113,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,510
−HK$6,742/mo
▼ 0.25% · 3.875%
HK$110,854
−HK$3,398/mo
Today · 4.125%
HK$114,252
baseline
▲ 0.50% · 4.625%
HK$121,204
+HK$6,952/mo
Deposit HK$2.62M · loan HK$23.57M · min. income ≈ HK$228,504/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,113,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,604
−HK$6,462/mo
▼ 0.25% · 3.875%
HK$122,812
−HK$3,254/mo
Today · 4.125%
HK$126,066
baseline
▲ 0.50% · 4.625%
HK$132,711
+HK$6,645/mo
Deposit HK$2.62M · loan HK$23.57M · min. income ≈ HK$252,132/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,113,222 · Scale 2, in force from 26 Feb 2026)