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$59,762
−HK$3,748/mo
▼ 0.25% · 3.875%
HK$61,621
−HK$1,889/mo
Today · 4.125%
HK$63,510
baseline
▲ 0.50% · 4.625%
HK$67,374
+HK$3,864/mo
Deposit HK$13.10M · loan HK$13.10M · min. income ≈ HK$127,020/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,113,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,485
−HK$3,592/mo
▼ 0.25% · 3.875%
HK$68,268
−HK$1,809/mo
Today · 4.125%
HK$70,077
baseline
▲ 0.50% · 4.625%
HK$73,771
+HK$3,694/mo
Deposit HK$13.10M · loan HK$13.10M · min. income ≈ HK$140,154/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,113,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,715
−HK$4,497/mo
▼ 0.25% · 3.875%
HK$73,945
−HK$2,267/mo
Today · 4.125%
HK$76,212
baseline
▲ 0.50% · 4.625%
HK$80,849
+HK$4,637/mo
Deposit HK$10.48M · loan HK$15.73M · min. income ≈ HK$152,424/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,113,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,782
−HK$4,310/mo
▼ 0.25% · 3.875%
HK$81,921
−HK$2,171/mo
Today · 4.125%
HK$84,092
baseline
▲ 0.50% · 4.625%
HK$88,525
+HK$4,433/mo
Deposit HK$10.48M · loan HK$15.73M · min. income ≈ HK$168,184/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,113,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,667
−HK$5,247/mo
▼ 0.25% · 3.875%
HK$86,270
−HK$2,644/mo
Today · 4.125%
HK$88,914
baseline
▲ 0.50% · 4.625%
HK$94,324
+HK$5,410/mo
Deposit HK$7.86M · loan HK$18.35M · min. income ≈ HK$177,828/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,113,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,079
−HK$5,028/mo
▼ 0.25% · 3.875%
HK$95,575
−HK$2,532/mo
Today · 4.125%
HK$98,107
baseline
▲ 0.50% · 4.625%
HK$103,279
+HK$5,172/mo
Deposit HK$7.86M · loan HK$18.35M · min. income ≈ HK$196,214/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,113,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,572
−HK$6,746/mo
▼ 0.25% · 3.875%
HK$110,918
−HK$3,400/mo
Today · 4.125%
HK$114,318
baseline
▲ 0.50% · 4.625%
HK$121,274
+HK$6,956/mo
Deposit HK$2.62M · loan HK$23.59M · min. income ≈ HK$228,636/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,113,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,673
−HK$6,465/mo
▼ 0.25% · 3.875%
HK$122,882
−HK$3,256/mo
Today · 4.125%
HK$126,138
baseline
▲ 0.50% · 4.625%
HK$132,787
+HK$6,649/mo
Deposit HK$2.62M · loan HK$23.59M · min. income ≈ HK$252,276/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,113,863 · Scale 2, in force from 26 Feb 2026)