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$60,038
−HK$3,765/mo
▼ 0.25% · 3.875%
HK$61,906
−HK$1,897/mo
Today · 4.125%
HK$63,803
baseline
▲ 0.50% · 4.625%
HK$67,686
+HK$3,883/mo
Deposit HK$13.16M · loan HK$13.16M · min. income ≈ HK$127,606/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,119,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,792
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$68,583
−HK$1,818/mo
Today · 4.125%
HK$70,401
baseline
▲ 0.50% · 4.625%
HK$74,112
+HK$3,711/mo
Deposit HK$13.16M · loan HK$13.16M · min. income ≈ HK$140,802/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,119,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,046
−HK$4,518/mo
▼ 0.25% · 3.875%
HK$74,287
−HK$2,277/mo
Today · 4.125%
HK$76,564
baseline
▲ 0.50% · 4.625%
HK$81,223
+HK$4,659/mo
Deposit HK$10.53M · loan HK$15.80M · min. income ≈ HK$153,128/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,119,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,150
−HK$4,331/mo
▼ 0.25% · 3.875%
HK$82,300
−HK$2,181/mo
Today · 4.125%
HK$84,481
baseline
▲ 0.50% · 4.625%
HK$88,934
+HK$4,453/mo
Deposit HK$10.53M · loan HK$15.80M · min. income ≈ HK$168,962/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,119,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,054
−HK$5,271/mo
▼ 0.25% · 3.875%
HK$86,668
−HK$2,657/mo
Today · 4.125%
HK$89,325
baseline
▲ 0.50% · 4.625%
HK$94,760
+HK$5,435/mo
Deposit HK$7.90M · loan HK$18.43M · min. income ≈ HK$178,650/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,119,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,509
−HK$5,052/mo
▼ 0.25% · 3.875%
HK$96,017
−HK$2,544/mo
Today · 4.125%
HK$98,561
baseline
▲ 0.50% · 4.625%
HK$103,756
+HK$5,195/mo
Deposit HK$7.90M · loan HK$18.43M · min. income ≈ HK$197,122/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,119,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,069
−HK$6,777/mo
▼ 0.25% · 3.875%
HK$111,431
−HK$3,415/mo
Today · 4.125%
HK$114,846
baseline
▲ 0.50% · 4.625%
HK$121,834
+HK$6,988/mo
Deposit HK$2.63M · loan HK$23.70M · min. income ≈ HK$229,692/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,119,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,226
−HK$6,495/mo
▼ 0.25% · 3.875%
HK$123,450
−HK$3,271/mo
Today · 4.125%
HK$126,721
baseline
▲ 0.50% · 4.625%
HK$133,401
+HK$6,680/mo
Deposit HK$2.63M · loan HK$23.70M · min. income ≈ HK$253,442/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,119,011 · Scale 2, in force from 26 Feb 2026)