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$59,724
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$61,582
−HK$1,887/mo
Today · 4.125%
HK$63,469
baseline
▲ 0.50% · 4.625%
HK$67,331
+HK$3,862/mo
Deposit HK$13.10M · loan HK$13.10M · min. income ≈ HK$126,938/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,113,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,442
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$68,224
−HK$1,808/mo
Today · 4.125%
HK$70,032
baseline
▲ 0.50% · 4.625%
HK$73,724
+HK$3,692/mo
Deposit HK$13.10M · loan HK$13.10M · min. income ≈ HK$140,064/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,113,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,669
−HK$4,494/mo
▼ 0.25% · 3.875%
HK$73,898
−HK$2,265/mo
Today · 4.125%
HK$76,163
baseline
▲ 0.50% · 4.625%
HK$80,798
+HK$4,635/mo
Deposit HK$10.48M · loan HK$15.72M · min. income ≈ HK$152,326/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,113,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,731
−HK$4,308/mo
▼ 0.25% · 3.875%
HK$81,869
−HK$2,170/mo
Today · 4.125%
HK$84,039
baseline
▲ 0.50% · 4.625%
HK$88,468
+HK$4,429/mo
Deposit HK$10.48M · loan HK$15.72M · min. income ≈ HK$168,078/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,113,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,614
−HK$5,243/mo
▼ 0.25% · 3.875%
HK$86,215
−HK$2,642/mo
Today · 4.125%
HK$88,857
baseline
▲ 0.50% · 4.625%
HK$94,264
+HK$5,407/mo
Deposit HK$7.86M · loan HK$18.33M · min. income ≈ HK$177,714/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,113,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,019
−HK$5,026/mo
▼ 0.25% · 3.875%
HK$95,514
−HK$2,531/mo
Today · 4.125%
HK$98,045
baseline
▲ 0.50% · 4.625%
HK$103,213
+HK$5,168/mo
Deposit HK$7.86M · loan HK$18.33M · min. income ≈ HK$196,090/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,113,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,503
−HK$6,742/mo
▼ 0.25% · 3.875%
HK$110,847
−HK$3,398/mo
Today · 4.125%
HK$114,245
baseline
▲ 0.50% · 4.625%
HK$121,196
+HK$6,951/mo
Deposit HK$2.62M · loan HK$23.57M · min. income ≈ HK$228,490/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,113,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,596
−HK$6,462/mo
▼ 0.25% · 3.875%
HK$122,804
−HK$3,254/mo
Today · 4.125%
HK$126,058
baseline
▲ 0.50% · 4.625%
HK$132,703
+HK$6,645/mo
Deposit HK$2.62M · loan HK$23.57M · min. income ≈ HK$252,116/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,113,153 · Scale 2, in force from 26 Feb 2026)