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$59,824
−HK$3,752/mo
▼ 0.25% · 3.875%
HK$61,685
−HK$1,891/mo
Today · 4.125%
HK$63,576
baseline
▲ 0.50% · 4.625%
HK$67,444
+HK$3,868/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$127,152/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,115,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,554
−HK$3,596/mo
▼ 0.25% · 3.875%
HK$68,339
−HK$1,811/mo
Today · 4.125%
HK$70,150
baseline
▲ 0.50% · 4.625%
HK$73,847
+HK$3,697/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$140,300/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,115,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,789
−HK$4,502/mo
▼ 0.25% · 3.875%
HK$74,022
−HK$2,269/mo
Today · 4.125%
HK$76,291
baseline
▲ 0.50% · 4.625%
HK$80,933
+HK$4,642/mo
Deposit HK$10.49M · loan HK$15.74M · min. income ≈ HK$152,582/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,115,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,865
−HK$4,315/mo
▼ 0.25% · 3.875%
HK$82,007
−HK$2,173/mo
Today · 4.125%
HK$84,180
baseline
▲ 0.50% · 4.625%
HK$88,617
+HK$4,437/mo
Deposit HK$10.49M · loan HK$15.74M · min. income ≈ HK$168,360/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,115,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,754
−HK$5,252/mo
▼ 0.25% · 3.875%
HK$86,359
−HK$2,647/mo
Today · 4.125%
HK$89,006
baseline
▲ 0.50% · 4.625%
HK$94,422
+HK$5,416/mo
Deposit HK$7.87M · loan HK$18.37M · min. income ≈ HK$178,012/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,176
−HK$5,034/mo
▼ 0.25% · 3.875%
HK$95,675
−HK$2,535/mo
Today · 4.125%
HK$98,210
baseline
▲ 0.50% · 4.625%
HK$103,386
+HK$5,176/mo
Deposit HK$7.87M · loan HK$18.37M · min. income ≈ HK$196,420/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,684
−HK$6,753/mo
▼ 0.25% · 3.875%
HK$111,033
−HK$3,404/mo
Today · 4.125%
HK$114,437
baseline
▲ 0.50% · 4.625%
HK$121,400
+HK$6,963/mo
Deposit HK$2.62M · loan HK$23.61M · min. income ≈ HK$228,874/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,797
−HK$6,473/mo
▼ 0.25% · 3.875%
HK$123,010
−HK$3,260/mo
Today · 4.125%
HK$126,270
baseline
▲ 0.50% · 4.625%
HK$132,925
+HK$6,655/mo
Deposit HK$2.62M · loan HK$23.61M · min. income ≈ HK$252,540/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,022 · Scale 2, in force from 26 Feb 2026)