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$59,897
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$61,761
−HK$1,893/mo
Today · 4.125%
HK$63,654
baseline
▲ 0.50% · 4.625%
HK$67,527
+HK$3,873/mo
Deposit HK$13.13M · loan HK$13.13M · min. income ≈ HK$127,308/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,116,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,635
−HK$3,600/mo
▼ 0.25% · 3.875%
HK$68,422
−HK$1,813/mo
Today · 4.125%
HK$70,235
baseline
▲ 0.50% · 4.625%
HK$73,938
+HK$3,703/mo
Deposit HK$13.13M · loan HK$13.13M · min. income ≈ HK$140,470/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,116,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,877
−HK$4,507/mo
▼ 0.25% · 3.875%
HK$74,113
−HK$2,271/mo
Today · 4.125%
HK$76,384
baseline
▲ 0.50% · 4.625%
HK$81,032
+HK$4,648/mo
Deposit HK$10.51M · loan HK$15.76M · min. income ≈ HK$152,768/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,116,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,962
−HK$4,321/mo
▼ 0.25% · 3.875%
HK$82,107
−HK$2,176/mo
Today · 4.125%
HK$84,283
baseline
▲ 0.50% · 4.625%
HK$88,725
+HK$4,442/mo
Deposit HK$10.51M · loan HK$15.76M · min. income ≈ HK$168,566/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,116,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,856
−HK$5,259/mo
▼ 0.25% · 3.875%
HK$86,465
−HK$2,650/mo
Today · 4.125%
HK$89,115
baseline
▲ 0.50% · 4.625%
HK$94,537
+HK$5,422/mo
Deposit HK$7.88M · loan HK$18.39M · min. income ≈ HK$178,230/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,116,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,289
−HK$5,041/mo
▼ 0.25% · 3.875%
HK$95,791
−HK$2,539/mo
Today · 4.125%
HK$98,330
baseline
▲ 0.50% · 4.625%
HK$103,513
+HK$5,183/mo
Deposit HK$7.88M · loan HK$18.39M · min. income ≈ HK$196,660/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,116,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,815
−HK$6,761/mo
▼ 0.25% · 3.875%
HK$111,169
−HK$3,407/mo
Today · 4.125%
HK$114,576
baseline
▲ 0.50% · 4.625%
HK$121,548
+HK$6,972/mo
Deposit HK$2.63M · loan HK$23.64M · min. income ≈ HK$229,152/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,116,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,944
−HK$6,480/mo
▼ 0.25% · 3.875%
HK$123,160
−HK$3,264/mo
Today · 4.125%
HK$126,424
baseline
▲ 0.50% · 4.625%
HK$133,088
+HK$6,664/mo
Deposit HK$2.63M · loan HK$23.64M · min. income ≈ HK$252,848/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,116,385 · Scale 2, in force from 26 Feb 2026)