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$59,891
−HK$3,756/mo
▼ 0.25% · 3.875%
HK$61,754
−HK$1,893/mo
Today · 4.125%
HK$63,647
baseline
▲ 0.50% · 4.625%
HK$67,520
+HK$3,873/mo
Deposit HK$13.13M · loan HK$13.13M · min. income ≈ HK$127,294/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,116,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,629
−HK$3,599/mo
▼ 0.25% · 3.875%
HK$68,416
−HK$1,812/mo
Today · 4.125%
HK$70,228
baseline
▲ 0.50% · 4.625%
HK$73,930
+HK$3,702/mo
Deposit HK$13.13M · loan HK$13.13M · min. income ≈ HK$140,456/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,116,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,870
−HK$4,507/mo
▼ 0.25% · 3.875%
HK$74,105
−HK$2,272/mo
Today · 4.125%
HK$76,377
baseline
▲ 0.50% · 4.625%
HK$81,024
+HK$4,647/mo
Deposit HK$10.51M · loan HK$15.76M · min. income ≈ HK$152,754/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,116,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,954
−HK$4,320/mo
▼ 0.25% · 3.875%
HK$82,099
−HK$2,175/mo
Today · 4.125%
HK$84,274
baseline
▲ 0.50% · 4.625%
HK$88,716
+HK$4,442/mo
Deposit HK$10.51M · loan HK$15.76M · min. income ≈ HK$168,548/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,116,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,848
−HK$5,258/mo
▼ 0.25% · 3.875%
HK$86,456
−HK$2,650/mo
Today · 4.125%
HK$89,106
baseline
▲ 0.50% · 4.625%
HK$94,528
+HK$5,422/mo
Deposit HK$7.88M · loan HK$18.39M · min. income ≈ HK$178,212/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,116,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,280
−HK$5,040/mo
▼ 0.25% · 3.875%
HK$95,782
−HK$2,538/mo
Today · 4.125%
HK$98,320
baseline
▲ 0.50% · 4.625%
HK$103,502
+HK$5,182/mo
Deposit HK$7.88M · loan HK$18.39M · min. income ≈ HK$196,640/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,116,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,805
−HK$6,760/mo
▼ 0.25% · 3.875%
HK$111,158
−HK$3,407/mo
Today · 4.125%
HK$114,565
baseline
▲ 0.50% · 4.625%
HK$121,536
+HK$6,971/mo
Deposit HK$2.63M · loan HK$23.64M · min. income ≈ HK$229,130/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,116,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,932
−HK$6,479/mo
▼ 0.25% · 3.875%
HK$123,148
−HK$3,263/mo
Today · 4.125%
HK$126,411
baseline
▲ 0.50% · 4.625%
HK$133,074
+HK$6,663/mo
Deposit HK$2.63M · loan HK$23.64M · min. income ≈ HK$252,822/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,116,272 · Scale 2, in force from 26 Feb 2026)