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$59,945
−HK$3,759/mo
▼ 0.25% · 3.875%
HK$61,809
−HK$1,895/mo
Today · 4.125%
HK$63,704
baseline
▲ 0.50% · 4.625%
HK$67,580
+HK$3,876/mo
Deposit HK$13.14M · loan HK$13.14M · min. income ≈ HK$127,408/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,117,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,688
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$68,477
−HK$1,814/mo
Today · 4.125%
HK$70,291
baseline
▲ 0.50% · 4.625%
HK$73,996
+HK$3,705/mo
Deposit HK$13.14M · loan HK$13.14M · min. income ≈ HK$140,582/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,117,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,934
−HK$4,511/mo
▼ 0.25% · 3.875%
HK$74,171
−HK$2,274/mo
Today · 4.125%
HK$76,445
baseline
▲ 0.50% · 4.625%
HK$81,096
+HK$4,651/mo
Deposit HK$10.52M · loan HK$15.77M · min. income ≈ HK$152,890/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,117,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,026
−HK$4,323/mo
▼ 0.25% · 3.875%
HK$82,172
−HK$2,177/mo
Today · 4.125%
HK$84,349
baseline
▲ 0.50% · 4.625%
HK$88,795
+HK$4,446/mo
Deposit HK$10.52M · loan HK$15.77M · min. income ≈ HK$168,698/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,117,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,923
−HK$5,262/mo
▼ 0.25% · 3.875%
HK$86,533
−HK$2,652/mo
Today · 4.125%
HK$89,185
baseline
▲ 0.50% · 4.625%
HK$94,612
+HK$5,427/mo
Deposit HK$7.89M · loan HK$18.40M · min. income ≈ HK$178,370/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,117,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,363
−HK$5,044/mo
▼ 0.25% · 3.875%
HK$95,867
−HK$2,540/mo
Today · 4.125%
HK$98,407
baseline
▲ 0.50% · 4.625%
HK$103,594
+HK$5,187/mo
Deposit HK$7.89M · loan HK$18.40M · min. income ≈ HK$196,814/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,117,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,901
−HK$6,766/mo
▼ 0.25% · 3.875%
HK$111,257
−HK$3,410/mo
Today · 4.125%
HK$114,667
baseline
▲ 0.50% · 4.625%
HK$121,644
+HK$6,977/mo
Deposit HK$2.63M · loan HK$23.66M · min. income ≈ HK$229,334/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,117,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,038
−HK$6,486/mo
▼ 0.25% · 3.875%
HK$123,258
−HK$3,266/mo
Today · 4.125%
HK$126,524
baseline
▲ 0.50% · 4.625%
HK$133,193
+HK$6,669/mo
Deposit HK$2.63M · loan HK$23.66M · min. income ≈ HK$253,048/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,117,267 · Scale 2, in force from 26 Feb 2026)