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$59,810
−HK$3,751/mo
▼ 0.25% · 3.875%
HK$61,671
−HK$1,890/mo
Today · 4.125%
HK$63,561
baseline
▲ 0.50% · 4.625%
HK$67,429
+HK$3,868/mo
Deposit HK$13.11M · loan HK$13.11M · min. income ≈ HK$127,122/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,114,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,539
−HK$3,594/mo
▼ 0.25% · 3.875%
HK$68,323
−HK$1,810/mo
Today · 4.125%
HK$70,133
baseline
▲ 0.50% · 4.625%
HK$73,830
+HK$3,697/mo
Deposit HK$13.11M · loan HK$13.11M · min. income ≈ HK$140,266/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,114,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,773
−HK$4,500/mo
▼ 0.25% · 3.875%
HK$74,005
−HK$2,268/mo
Today · 4.125%
HK$76,273
baseline
▲ 0.50% · 4.625%
HK$80,914
+HK$4,641/mo
Deposit HK$10.49M · loan HK$15.74M · min. income ≈ HK$152,546/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,114,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,846
−HK$4,314/mo
▼ 0.25% · 3.875%
HK$81,988
−HK$2,172/mo
Today · 4.125%
HK$84,160
baseline
▲ 0.50% · 4.625%
HK$88,596
+HK$4,436/mo
Deposit HK$10.49M · loan HK$15.74M · min. income ≈ HK$168,320/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,114,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,735
−HK$5,251/mo
▼ 0.25% · 3.875%
HK$86,339
−HK$2,647/mo
Today · 4.125%
HK$88,986
baseline
▲ 0.50% · 4.625%
HK$94,400
+HK$5,414/mo
Deposit HK$7.87M · loan HK$18.36M · min. income ≈ HK$177,972/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,114,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,154
−HK$5,033/mo
▼ 0.25% · 3.875%
HK$95,652
−HK$2,535/mo
Today · 4.125%
HK$98,187
baseline
▲ 0.50% · 4.625%
HK$103,362
+HK$5,175/mo
Deposit HK$7.87M · loan HK$18.36M · min. income ≈ HK$196,374/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,114,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,659
−HK$6,751/mo
▼ 0.25% · 3.875%
HK$111,008
−HK$3,402/mo
Today · 4.125%
HK$114,410
baseline
▲ 0.50% · 4.625%
HK$121,372
+HK$6,962/mo
Deposit HK$2.62M · loan HK$23.61M · min. income ≈ HK$228,820/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,769
−HK$6,471/mo
▼ 0.25% · 3.875%
HK$122,982
−HK$3,258/mo
Today · 4.125%
HK$126,240
baseline
▲ 0.50% · 4.625%
HK$132,894
+HK$6,654/mo
Deposit HK$2.62M · loan HK$23.61M · min. income ≈ HK$252,480/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,763 · Scale 2, in force from 26 Feb 2026)