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$59,814
−HK$3,750/mo
▼ 0.25% · 3.875%
HK$61,674
−HK$1,890/mo
Today · 4.125%
HK$63,564
baseline
▲ 0.50% · 4.625%
HK$67,432
+HK$3,868/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$127,128/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,114,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,542
−HK$3,595/mo
▼ 0.25% · 3.875%
HK$68,327
−HK$1,810/mo
Today · 4.125%
HK$70,137
baseline
▲ 0.50% · 4.625%
HK$73,834
+HK$3,697/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$140,274/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,114,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,776
−HK$4,501/mo
▼ 0.25% · 3.875%
HK$74,009
−HK$2,268/mo
Today · 4.125%
HK$76,277
baseline
▲ 0.50% · 4.625%
HK$80,919
+HK$4,642/mo
Deposit HK$10.49M · loan HK$15.74M · min. income ≈ HK$152,554/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,114,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,850
−HK$4,314/mo
▼ 0.25% · 3.875%
HK$81,992
−HK$2,172/mo
Today · 4.125%
HK$84,164
baseline
▲ 0.50% · 4.625%
HK$88,601
+HK$4,437/mo
Deposit HK$10.49M · loan HK$15.74M · min. income ≈ HK$168,328/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,114,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,739
−HK$5,251/mo
▼ 0.25% · 3.875%
HK$86,344
−HK$2,646/mo
Today · 4.125%
HK$88,990
baseline
▲ 0.50% · 4.625%
HK$94,405
+HK$5,415/mo
Deposit HK$7.87M · loan HK$18.36M · min. income ≈ HK$177,980/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,114,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,159
−HK$5,033/mo
▼ 0.25% · 3.875%
HK$95,657
−HK$2,535/mo
Today · 4.125%
HK$98,192
baseline
▲ 0.50% · 4.625%
HK$103,368
+HK$5,176/mo
Deposit HK$7.87M · loan HK$18.36M · min. income ≈ HK$196,384/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,114,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,664
−HK$6,752/mo
▼ 0.25% · 3.875%
HK$111,013
−HK$3,403/mo
Today · 4.125%
HK$114,416
baseline
▲ 0.50% · 4.625%
HK$121,378
+HK$6,962/mo
Deposit HK$2.62M · loan HK$23.61M · min. income ≈ HK$228,832/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,776
−HK$6,471/mo
▼ 0.25% · 3.875%
HK$122,988
−HK$3,259/mo
Today · 4.125%
HK$126,247
baseline
▲ 0.50% · 4.625%
HK$132,901
+HK$6,654/mo
Deposit HK$2.62M · loan HK$23.61M · min. income ≈ HK$252,494/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,821 · Scale 2, in force from 26 Feb 2026)