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$59,927
−HK$3,758/mo
▼ 0.25% · 3.875%
HK$61,791
−HK$1,894/mo
Today · 4.125%
HK$63,685
baseline
▲ 0.50% · 4.625%
HK$67,560
+HK$3,875/mo
Deposit HK$13.14M · loan HK$13.14M · min. income ≈ HK$127,370/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,116,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,668
−HK$3,602/mo
▼ 0.25% · 3.875%
HK$68,456
−HK$1,814/mo
Today · 4.125%
HK$70,270
baseline
▲ 0.50% · 4.625%
HK$73,974
+HK$3,704/mo
Deposit HK$13.14M · loan HK$13.14M · min. income ≈ HK$140,540/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,116,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,912
−HK$4,510/mo
▼ 0.25% · 3.875%
HK$74,149
−HK$2,273/mo
Today · 4.125%
HK$76,422
baseline
▲ 0.50% · 4.625%
HK$81,072
+HK$4,650/mo
Deposit HK$10.51M · loan HK$15.77M · min. income ≈ HK$152,844/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,116,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,002
−HK$4,322/mo
▼ 0.25% · 3.875%
HK$82,147
−HK$2,177/mo
Today · 4.125%
HK$84,324
baseline
▲ 0.50% · 4.625%
HK$88,769
+HK$4,445/mo
Deposit HK$10.51M · loan HK$15.77M · min. income ≈ HK$168,648/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,116,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,898
−HK$5,261/mo
▼ 0.25% · 3.875%
HK$86,508
−HK$2,651/mo
Today · 4.125%
HK$89,159
baseline
▲ 0.50% · 4.625%
HK$94,584
+HK$5,425/mo
Deposit HK$7.88M · loan HK$18.40M · min. income ≈ HK$178,318/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,116,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,336
−HK$5,042/mo
▼ 0.25% · 3.875%
HK$95,839
−HK$2,539/mo
Today · 4.125%
HK$98,378
baseline
▲ 0.50% · 4.625%
HK$103,564
+HK$5,186/mo
Deposit HK$7.88M · loan HK$18.40M · min. income ≈ HK$196,756/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,116,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,869
−HK$6,764/mo
▼ 0.25% · 3.875%
HK$111,224
−HK$3,409/mo
Today · 4.125%
HK$114,633
baseline
▲ 0.50% · 4.625%
HK$121,608
+HK$6,975/mo
Deposit HK$2.63M · loan HK$23.65M · min. income ≈ HK$229,266/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,116,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,003
−HK$6,483/mo
▼ 0.25% · 3.875%
HK$123,221
−HK$3,265/mo
Today · 4.125%
HK$126,486
baseline
▲ 0.50% · 4.625%
HK$133,153
+HK$6,667/mo
Deposit HK$2.63M · loan HK$23.65M · min. income ≈ HK$252,972/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,116,936 · Scale 2, in force from 26 Feb 2026)