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$59,934
−HK$3,758/mo
▼ 0.25% · 3.875%
HK$61,798
−HK$1,894/mo
Today · 4.125%
HK$63,692
baseline
▲ 0.50% · 4.625%
HK$67,567
+HK$3,875/mo
Deposit HK$13.14M · loan HK$13.14M · min. income ≈ HK$127,384/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,117,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,676
−HK$3,602/mo
▼ 0.25% · 3.875%
HK$68,464
−HK$1,814/mo
Today · 4.125%
HK$70,278
baseline
▲ 0.50% · 4.625%
HK$73,982
+HK$3,704/mo
Deposit HK$13.14M · loan HK$13.14M · min. income ≈ HK$140,556/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,117,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,920
−HK$4,510/mo
▼ 0.25% · 3.875%
HK$74,157
−HK$2,273/mo
Today · 4.125%
HK$76,430
baseline
▲ 0.50% · 4.625%
HK$81,081
+HK$4,651/mo
Deposit HK$10.51M · loan HK$15.77M · min. income ≈ HK$152,860/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,117,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,011
−HK$4,322/mo
▼ 0.25% · 3.875%
HK$82,156
−HK$2,177/mo
Today · 4.125%
HK$84,333
baseline
▲ 0.50% · 4.625%
HK$88,779
+HK$4,446/mo
Deposit HK$10.51M · loan HK$15.77M · min. income ≈ HK$168,666/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,117,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,907
−HK$5,262/mo
▼ 0.25% · 3.875%
HK$86,517
−HK$2,652/mo
Today · 4.125%
HK$89,169
baseline
▲ 0.50% · 4.625%
HK$94,594
+HK$5,425/mo
Deposit HK$7.89M · loan HK$18.40M · min. income ≈ HK$178,338/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,117,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,346
−HK$5,043/mo
▼ 0.25% · 3.875%
HK$95,849
−HK$2,540/mo
Today · 4.125%
HK$98,389
baseline
▲ 0.50% · 4.625%
HK$103,575
+HK$5,186/mo
Deposit HK$7.89M · loan HK$18.40M · min. income ≈ HK$196,778/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,117,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,880
−HK$6,765/mo
▼ 0.25% · 3.875%
HK$111,236
−HK$3,409/mo
Today · 4.125%
HK$114,645
baseline
▲ 0.50% · 4.625%
HK$121,621
+HK$6,976/mo
Deposit HK$2.63M · loan HK$23.66M · min. income ≈ HK$229,290/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,117,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,016
−HK$6,484/mo
▼ 0.25% · 3.875%
HK$123,235
−HK$3,265/mo
Today · 4.125%
HK$126,500
baseline
▲ 0.50% · 4.625%
HK$133,168
+HK$6,668/mo
Deposit HK$2.63M · loan HK$23.66M · min. income ≈ HK$253,000/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,117,058 · Scale 2, in force from 26 Feb 2026)