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$59,740
−HK$3,747/mo
▼ 0.25% · 3.875%
HK$61,599
−HK$1,888/mo
Today · 4.125%
HK$63,487
baseline
▲ 0.50% · 4.625%
HK$67,350
+HK$3,863/mo
Deposit HK$13.10M · loan HK$13.10M · min. income ≈ HK$126,974/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,113,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,461
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$68,243
−HK$1,808/mo
Today · 4.125%
HK$70,051
baseline
▲ 0.50% · 4.625%
HK$73,744
+HK$3,693/mo
Deposit HK$13.10M · loan HK$13.10M · min. income ≈ HK$140,102/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,113,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,689
−HK$4,495/mo
▼ 0.25% · 3.875%
HK$73,919
−HK$2,265/mo
Today · 4.125%
HK$76,184
baseline
▲ 0.50% · 4.625%
HK$80,820
+HK$4,636/mo
Deposit HK$10.48M · loan HK$15.72M · min. income ≈ HK$152,368/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,113,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,753
−HK$4,309/mo
▼ 0.25% · 3.875%
HK$81,892
−HK$2,170/mo
Today · 4.125%
HK$84,062
baseline
▲ 0.50% · 4.625%
HK$88,493
+HK$4,431/mo
Deposit HK$10.48M · loan HK$15.72M · min. income ≈ HK$168,124/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,113,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,637
−HK$5,244/mo
▼ 0.25% · 3.875%
HK$86,238
−HK$2,643/mo
Today · 4.125%
HK$88,881
baseline
▲ 0.50% · 4.625%
HK$94,290
+HK$5,409/mo
Deposit HK$7.86M · loan HK$18.34M · min. income ≈ HK$177,762/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,113,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,045
−HK$5,027/mo
▼ 0.25% · 3.875%
HK$95,540
−HK$2,532/mo
Today · 4.125%
HK$98,072
baseline
▲ 0.50% · 4.625%
HK$103,241
+HK$5,169/mo
Deposit HK$7.86M · loan HK$18.34M · min. income ≈ HK$196,144/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,113,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,533
−HK$6,743/mo
▼ 0.25% · 3.875%
HK$110,878
−HK$3,398/mo
Today · 4.125%
HK$114,276
baseline
▲ 0.50% · 4.625%
HK$121,230
+HK$6,954/mo
Deposit HK$2.62M · loan HK$23.58M · min. income ≈ HK$228,552/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,113,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,629
−HK$6,463/mo
▼ 0.25% · 3.875%
HK$122,838
−HK$3,254/mo
Today · 4.125%
HK$126,092
baseline
▲ 0.50% · 4.625%
HK$132,739
+HK$6,647/mo
Deposit HK$2.62M · loan HK$23.58M · min. income ≈ HK$252,184/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,113,459 · Scale 2, in force from 26 Feb 2026)