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$59,901
−HK$3,756/mo
▼ 0.25% · 3.875%
HK$61,764
−HK$1,893/mo
Today · 4.125%
HK$63,657
baseline
▲ 0.50% · 4.625%
HK$67,531
+HK$3,874/mo
Deposit HK$13.13M · loan HK$13.13M · min. income ≈ HK$127,314/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,116,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,639
−HK$3,601/mo
▼ 0.25% · 3.875%
HK$68,427
−HK$1,813/mo
Today · 4.125%
HK$70,240
baseline
▲ 0.50% · 4.625%
HK$73,942
+HK$3,702/mo
Deposit HK$13.13M · loan HK$13.13M · min. income ≈ HK$140,480/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,116,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,881
−HK$4,508/mo
▼ 0.25% · 3.875%
HK$74,117
−HK$2,272/mo
Today · 4.125%
HK$76,389
baseline
▲ 0.50% · 4.625%
HK$81,037
+HK$4,648/mo
Deposit HK$10.51M · loan HK$15.76M · min. income ≈ HK$152,778/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,116,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,967
−HK$4,321/mo
▼ 0.25% · 3.875%
HK$82,112
−HK$2,176/mo
Today · 4.125%
HK$84,288
baseline
▲ 0.50% · 4.625%
HK$88,730
+HK$4,442/mo
Deposit HK$10.51M · loan HK$15.76M · min. income ≈ HK$168,576/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,116,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,861
−HK$5,259/mo
▼ 0.25% · 3.875%
HK$86,470
−HK$2,650/mo
Today · 4.125%
HK$89,120
baseline
▲ 0.50% · 4.625%
HK$94,543
+HK$5,423/mo
Deposit HK$7.88M · loan HK$18.39M · min. income ≈ HK$178,240/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,116,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,295
−HK$5,040/mo
▼ 0.25% · 3.875%
HK$95,797
−HK$2,538/mo
Today · 4.125%
HK$98,335
baseline
▲ 0.50% · 4.625%
HK$103,519
+HK$5,184/mo
Deposit HK$7.88M · loan HK$18.39M · min. income ≈ HK$196,670/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,116,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,822
−HK$6,761/mo
▼ 0.25% · 3.875%
HK$111,176
−HK$3,407/mo
Today · 4.125%
HK$114,583
baseline
▲ 0.50% · 4.625%
HK$121,555
+HK$6,972/mo
Deposit HK$2.63M · loan HK$23.64M · min. income ≈ HK$229,166/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,116,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,951
−HK$6,480/mo
▼ 0.25% · 3.875%
HK$123,168
−HK$3,263/mo
Today · 4.125%
HK$126,431
baseline
▲ 0.50% · 4.625%
HK$133,096
+HK$6,665/mo
Deposit HK$2.63M · loan HK$23.64M · min. income ≈ HK$252,862/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,116,451 · Scale 2, in force from 26 Feb 2026)