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$59,843
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$61,704
−HK$1,892/mo
Today · 4.125%
HK$63,596
baseline
▲ 0.50% · 4.625%
HK$67,465
+HK$3,869/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$127,192/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,115,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,575
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$68,360
−HK$1,812/mo
Today · 4.125%
HK$70,172
baseline
▲ 0.50% · 4.625%
HK$73,870
+HK$3,698/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$140,344/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,115,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,812
−HK$4,503/mo
▼ 0.25% · 3.875%
HK$74,045
−HK$2,270/mo
Today · 4.125%
HK$76,315
baseline
▲ 0.50% · 4.625%
HK$80,958
+HK$4,643/mo
Deposit HK$10.50M · loan HK$15.75M · min. income ≈ HK$152,630/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,115,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,890
−HK$4,316/mo
▼ 0.25% · 3.875%
HK$82,032
−HK$2,174/mo
Today · 4.125%
HK$84,206
baseline
▲ 0.50% · 4.625%
HK$88,644
+HK$4,438/mo
Deposit HK$10.50M · loan HK$15.75M · min. income ≈ HK$168,412/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,115,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,780
−HK$5,254/mo
▼ 0.25% · 3.875%
HK$86,386
−HK$2,648/mo
Today · 4.125%
HK$89,034
baseline
▲ 0.50% · 4.625%
HK$94,451
+HK$5,417/mo
Deposit HK$7.87M · loan HK$18.37M · min. income ≈ HK$178,068/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,205
−HK$5,035/mo
▼ 0.25% · 3.875%
HK$95,704
−HK$2,536/mo
Today · 4.125%
HK$98,240
baseline
▲ 0.50% · 4.625%
HK$103,419
+HK$5,179/mo
Deposit HK$7.87M · loan HK$18.37M · min. income ≈ HK$196,480/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,717
−HK$6,755/mo
▼ 0.25% · 3.875%
HK$111,068
−HK$3,404/mo
Today · 4.125%
HK$114,472
baseline
▲ 0.50% · 4.625%
HK$121,438
+HK$6,966/mo
Deposit HK$2.62M · loan HK$23.62M · min. income ≈ HK$228,944/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,835
−HK$6,474/mo
▼ 0.25% · 3.875%
HK$123,048
−HK$3,261/mo
Today · 4.125%
HK$126,309
baseline
▲ 0.50% · 4.625%
HK$132,967
+HK$6,658/mo
Deposit HK$2.62M · loan HK$23.62M · min. income ≈ HK$252,618/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,370 · Scale 2, in force from 26 Feb 2026)