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$59,770
−HK$3,748/mo
▼ 0.25% · 3.875%
HK$61,629
−HK$1,889/mo
Today · 4.125%
HK$63,518
baseline
▲ 0.50% · 4.625%
HK$67,383
+HK$3,865/mo
Deposit HK$13.11M · loan HK$13.11M · min. income ≈ HK$127,036/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,114,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,493
−HK$3,593/mo
▼ 0.25% · 3.875%
HK$68,276
−HK$1,810/mo
Today · 4.125%
HK$70,086
baseline
▲ 0.50% · 4.625%
HK$73,780
+HK$3,694/mo
Deposit HK$13.11M · loan HK$13.11M · min. income ≈ HK$140,172/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,114,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,724
−HK$4,497/mo
▼ 0.25% · 3.875%
HK$73,955
−HK$2,266/mo
Today · 4.125%
HK$76,221
baseline
▲ 0.50% · 4.625%
HK$80,859
+HK$4,638/mo
Deposit HK$10.48M · loan HK$15.73M · min. income ≈ HK$152,442/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,114,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,792
−HK$4,311/mo
▼ 0.25% · 3.875%
HK$81,932
−HK$2,171/mo
Today · 4.125%
HK$84,103
baseline
▲ 0.50% · 4.625%
HK$88,536
+HK$4,433/mo
Deposit HK$10.48M · loan HK$15.73M · min. income ≈ HK$168,206/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,114,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,678
−HK$5,247/mo
▼ 0.25% · 3.875%
HK$86,280
−HK$2,645/mo
Today · 4.125%
HK$88,925
baseline
▲ 0.50% · 4.625%
HK$94,336
+HK$5,411/mo
Deposit HK$7.86M · loan HK$18.35M · min. income ≈ HK$177,850/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,114,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,090
−HK$5,030/mo
▼ 0.25% · 3.875%
HK$95,587
−HK$2,533/mo
Today · 4.125%
HK$98,120
baseline
▲ 0.50% · 4.625%
HK$103,292
+HK$5,172/mo
Deposit HK$7.86M · loan HK$18.35M · min. income ≈ HK$196,240/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,114,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,585
−HK$6,747/mo
▼ 0.25% · 3.875%
HK$110,932
−HK$3,400/mo
Today · 4.125%
HK$114,332
baseline
▲ 0.50% · 4.625%
HK$121,289
+HK$6,957/mo
Deposit HK$2.62M · loan HK$23.59M · min. income ≈ HK$228,664/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,688
−HK$6,466/mo
▼ 0.25% · 3.875%
HK$122,898
−HK$3,256/mo
Today · 4.125%
HK$126,154
baseline
▲ 0.50% · 4.625%
HK$132,804
+HK$6,650/mo
Deposit HK$2.62M · loan HK$23.59M · min. income ≈ HK$252,308/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,003 · Scale 2, in force from 26 Feb 2026)