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$59,908
−HK$3,756/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$1,116,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,647
−HK$3,600/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$1,116,573 · 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$81,046
+HK$4,649/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$1,116,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,976
−HK$4,321/mo
▼ 0.25% · 3.875%
HK$82,121
−HK$2,176/mo
Today · 4.125%
HK$84,297
baseline
▲ 0.50% · 4.625%
HK$88,740
+HK$4,443/mo
Deposit HK$10.51M · loan HK$15.76M · min. income ≈ HK$168,594/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,116,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,871
−HK$5,259/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$1,116,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,305
−HK$5,041/mo
▼ 0.25% · 3.875%
HK$95,808
−HK$2,538/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$1,116,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,834
−HK$6,762/mo
▼ 0.25% · 3.875%
HK$111,188
−HK$3,408/mo
Today · 4.125%
HK$114,596
baseline
▲ 0.50% · 4.625%
HK$121,569
+HK$6,973/mo
Deposit HK$2.63M · loan HK$23.65M · min. income ≈ HK$229,192/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,116,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,964
−HK$6,481/mo
▼ 0.25% · 3.875%
HK$123,181
−HK$3,264/mo
Today · 4.125%
HK$126,445
baseline
▲ 0.50% · 4.625%
HK$133,110
+HK$6,665/mo
Deposit HK$2.63M · loan HK$23.65M · min. income ≈ HK$252,890/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,116,573 · Scale 2, in force from 26 Feb 2026)