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$59,832
−HK$3,752/mo
▼ 0.25% · 3.875%
HK$61,693
−HK$1,891/mo
Today · 4.125%
HK$63,584
baseline
▲ 0.50% · 4.625%
HK$67,452
+HK$3,868/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$127,168/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,115,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,562
−HK$3,596/mo
▼ 0.25% · 3.875%
HK$68,347
−HK$1,811/mo
Today · 4.125%
HK$70,158
baseline
▲ 0.50% · 4.625%
HK$73,856
+HK$3,698/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$140,316/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,115,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,798
−HK$4,502/mo
▼ 0.25% · 3.875%
HK$74,031
−HK$2,269/mo
Today · 4.125%
HK$76,300
baseline
▲ 0.50% · 4.625%
HK$80,943
+HK$4,643/mo
Deposit HK$10.50M · loan HK$15.74M · min. income ≈ HK$152,600/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,115,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,874
−HK$4,316/mo
▼ 0.25% · 3.875%
HK$82,017
−HK$2,173/mo
Today · 4.125%
HK$84,190
baseline
▲ 0.50% · 4.625%
HK$88,628
+HK$4,438/mo
Deposit HK$10.50M · loan HK$15.74M · min. income ≈ HK$168,380/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,115,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,764
−HK$5,253/mo
▼ 0.25% · 3.875%
HK$86,370
−HK$2,647/mo
Today · 4.125%
HK$89,017
baseline
▲ 0.50% · 4.625%
HK$94,433
+HK$5,416/mo
Deposit HK$7.87M · loan HK$18.37M · min. income ≈ HK$178,034/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,187
−HK$5,034/mo
▼ 0.25% · 3.875%
HK$95,686
−HK$2,535/mo
Today · 4.125%
HK$98,221
baseline
▲ 0.50% · 4.625%
HK$103,399
+HK$5,178/mo
Deposit HK$7.87M · loan HK$18.37M · min. income ≈ HK$196,442/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,697
−HK$6,753/mo
▼ 0.25% · 3.875%
HK$111,047
−HK$3,403/mo
Today · 4.125%
HK$114,450
baseline
▲ 0.50% · 4.625%
HK$121,414
+HK$6,964/mo
Deposit HK$2.62M · loan HK$23.62M · min. income ≈ HK$228,900/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,812
−HK$6,473/mo
▼ 0.25% · 3.875%
HK$123,025
−HK$3,260/mo
Today · 4.125%
HK$126,285
baseline
▲ 0.50% · 4.625%
HK$132,941
+HK$6,656/mo
Deposit HK$2.62M · loan HK$23.62M · min. income ≈ HK$252,570/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,156 · Scale 2, in force from 26 Feb 2026)