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$59,888
−HK$3,755/mo
▼ 0.25% · 3.875%
HK$61,751
−HK$1,892/mo
Today · 4.125%
HK$63,643
baseline
▲ 0.50% · 4.625%
HK$67,516
+HK$3,873/mo
Deposit HK$13.13M · loan HK$13.13M · min. income ≈ HK$127,286/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,116,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,625
−HK$3,599/mo
▼ 0.25% · 3.875%
HK$68,411
−HK$1,813/mo
Today · 4.125%
HK$70,224
baseline
▲ 0.50% · 4.625%
HK$73,926
+HK$3,702/mo
Deposit HK$13.13M · loan HK$13.13M · min. income ≈ HK$140,448/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,116,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,865
−HK$4,507/mo
▼ 0.25% · 3.875%
HK$74,101
−HK$2,271/mo
Today · 4.125%
HK$76,372
baseline
▲ 0.50% · 4.625%
HK$81,019
+HK$4,647/mo
Deposit HK$10.51M · loan HK$15.76M · min. income ≈ HK$152,744/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,116,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,950
−HK$4,319/mo
▼ 0.25% · 3.875%
HK$82,094
−HK$2,175/mo
Today · 4.125%
HK$84,269
baseline
▲ 0.50% · 4.625%
HK$88,711
+HK$4,442/mo
Deposit HK$10.51M · loan HK$15.76M · min. income ≈ HK$168,538/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,116,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,843
−HK$5,258/mo
▼ 0.25% · 3.875%
HK$86,451
−HK$2,650/mo
Today · 4.125%
HK$89,101
baseline
▲ 0.50% · 4.625%
HK$94,522
+HK$5,421/mo
Deposit HK$7.88M · loan HK$18.38M · min. income ≈ HK$178,202/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,116,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,275
−HK$5,039/mo
▼ 0.25% · 3.875%
HK$95,776
−HK$2,538/mo
Today · 4.125%
HK$98,314
baseline
▲ 0.50% · 4.625%
HK$103,496
+HK$5,182/mo
Deposit HK$7.88M · loan HK$18.38M · min. income ≈ HK$196,628/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,116,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,798
−HK$6,760/mo
▼ 0.25% · 3.875%
HK$111,151
−HK$3,407/mo
Today · 4.125%
HK$114,558
baseline
▲ 0.50% · 4.625%
HK$121,529
+HK$6,971/mo
Deposit HK$2.63M · loan HK$23.64M · min. income ≈ HK$229,116/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,116,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,924
−HK$6,480/mo
▼ 0.25% · 3.875%
HK$123,141
−HK$3,263/mo
Today · 4.125%
HK$126,404
baseline
▲ 0.50% · 4.625%
HK$133,066
+HK$6,662/mo
Deposit HK$2.63M · loan HK$23.64M · min. income ≈ HK$252,808/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,116,206 · Scale 2, in force from 26 Feb 2026)