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$59,779
−HK$3,749/mo
▼ 0.25% · 3.875%
HK$61,638
−HK$1,890/mo
Today · 4.125%
HK$63,528
baseline
▲ 0.50% · 4.625%
HK$67,393
+HK$3,865/mo
Deposit HK$13.11M · loan HK$13.11M · min. income ≈ HK$127,056/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,114,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,503
−HK$3,593/mo
▼ 0.25% · 3.875%
HK$68,287
−HK$1,809/mo
Today · 4.125%
HK$70,096
baseline
▲ 0.50% · 4.625%
HK$73,791
+HK$3,695/mo
Deposit HK$13.11M · loan HK$13.11M · min. income ≈ HK$140,192/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,114,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,735
−HK$4,498/mo
▼ 0.25% · 3.875%
HK$73,966
−HK$2,267/mo
Today · 4.125%
HK$76,233
baseline
▲ 0.50% · 4.625%
HK$80,872
+HK$4,639/mo
Deposit HK$10.49M · loan HK$15.73M · min. income ≈ HK$152,466/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,114,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,804
−HK$4,312/mo
▼ 0.25% · 3.875%
HK$81,944
−HK$2,172/mo
Today · 4.125%
HK$84,116
baseline
▲ 0.50% · 4.625%
HK$88,550
+HK$4,434/mo
Deposit HK$10.49M · loan HK$15.73M · min. income ≈ HK$168,232/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,114,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,691
−HK$5,248/mo
▼ 0.25% · 3.875%
HK$86,294
−HK$2,645/mo
Today · 4.125%
HK$88,939
baseline
▲ 0.50% · 4.625%
HK$94,350
+HK$5,411/mo
Deposit HK$7.86M · loan HK$18.35M · min. income ≈ HK$177,878/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,114,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,105
−HK$5,030/mo
▼ 0.25% · 3.875%
HK$95,602
−HK$2,533/mo
Today · 4.125%
HK$98,135
baseline
▲ 0.50% · 4.625%
HK$103,308
+HK$5,173/mo
Deposit HK$7.86M · loan HK$18.35M · min. income ≈ HK$196,270/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,114,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,602
−HK$6,748/mo
▼ 0.25% · 3.875%
HK$110,949
−HK$3,401/mo
Today · 4.125%
HK$114,350
baseline
▲ 0.50% · 4.625%
HK$121,308
+HK$6,958/mo
Deposit HK$2.62M · loan HK$23.59M · min. income ≈ HK$228,700/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,706
−HK$6,468/mo
▼ 0.25% · 3.875%
HK$122,917
−HK$3,257/mo
Today · 4.125%
HK$126,174
baseline
▲ 0.50% · 4.625%
HK$132,824
+HK$6,650/mo
Deposit HK$2.62M · loan HK$23.59M · min. income ≈ HK$252,348/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,176 · Scale 2, in force from 26 Feb 2026)