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$59,758
−HK$3,747/mo
▼ 0.25% · 3.875%
HK$61,617
−HK$1,888/mo
Today · 4.125%
HK$63,505
baseline
▲ 0.50% · 4.625%
HK$67,369
+HK$3,864/mo
Deposit HK$13.10M · loan HK$13.10M · min. income ≈ HK$127,010/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,113,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,480
−HK$3,592/mo
▼ 0.25% · 3.875%
HK$68,263
−HK$1,809/mo
Today · 4.125%
HK$70,072
baseline
▲ 0.50% · 4.625%
HK$73,765
+HK$3,693/mo
Deposit HK$13.10M · loan HK$13.10M · min. income ≈ HK$140,144/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,113,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,709
−HK$4,497/mo
▼ 0.25% · 3.875%
HK$73,940
−HK$2,266/mo
Today · 4.125%
HK$76,206
baseline
▲ 0.50% · 4.625%
HK$80,843
+HK$4,637/mo
Deposit HK$10.48M · loan HK$15.72M · min. income ≈ HK$152,412/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,113,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,776
−HK$4,310/mo
▼ 0.25% · 3.875%
HK$81,916
−HK$2,170/mo
Today · 4.125%
HK$84,086
baseline
▲ 0.50% · 4.625%
HK$88,518
+HK$4,432/mo
Deposit HK$10.48M · loan HK$15.72M · min. income ≈ HK$168,172/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,113,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,661
−HK$5,246/mo
▼ 0.25% · 3.875%
HK$86,263
−HK$2,644/mo
Today · 4.125%
HK$88,907
baseline
▲ 0.50% · 4.625%
HK$94,317
+HK$5,410/mo
Deposit HK$7.86M · loan HK$18.34M · min. income ≈ HK$177,814/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,113,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,072
−HK$5,028/mo
▼ 0.25% · 3.875%
HK$95,568
−HK$2,532/mo
Today · 4.125%
HK$98,100
baseline
▲ 0.50% · 4.625%
HK$103,271
+HK$5,171/mo
Deposit HK$7.86M · loan HK$18.34M · min. income ≈ HK$196,200/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,113,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,564
−HK$6,745/mo
▼ 0.25% · 3.875%
HK$110,910
−HK$3,399/mo
Today · 4.125%
HK$114,309
baseline
▲ 0.50% · 4.625%
HK$121,265
+HK$6,956/mo
Deposit HK$2.62M · loan HK$23.59M · min. income ≈ HK$228,618/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,113,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,664
−HK$6,465/mo
▼ 0.25% · 3.875%
HK$122,873
−HK$3,256/mo
Today · 4.125%
HK$126,129
baseline
▲ 0.50% · 4.625%
HK$132,777
+HK$6,648/mo
Deposit HK$2.62M · loan HK$23.59M · min. income ≈ HK$252,258/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,113,782 · Scale 2, in force from 26 Feb 2026)