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$59,866
−HK$3,754/mo
▼ 0.25% · 3.875%
HK$61,728
−HK$1,892/mo
Today · 4.125%
HK$63,620
baseline
▲ 0.50% · 4.625%
HK$67,491
+HK$3,871/mo
Deposit HK$13.13M · loan HK$13.13M · min. income ≈ HK$127,240/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,115,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,600
−HK$3,598/mo
▼ 0.25% · 3.875%
HK$68,386
−HK$1,812/mo
Today · 4.125%
HK$70,198
baseline
▲ 0.50% · 4.625%
HK$73,898
+HK$3,700/mo
Deposit HK$13.13M · loan HK$13.13M · min. income ≈ HK$140,396/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,115,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,839
−HK$4,505/mo
▼ 0.25% · 3.875%
HK$74,073
−HK$2,271/mo
Today · 4.125%
HK$76,344
baseline
▲ 0.50% · 4.625%
HK$80,989
+HK$4,645/mo
Deposit HK$10.50M · loan HK$15.75M · min. income ≈ HK$152,688/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,115,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,920
−HK$4,318/mo
▼ 0.25% · 3.875%
HK$82,063
−HK$2,175/mo
Today · 4.125%
HK$84,238
baseline
▲ 0.50% · 4.625%
HK$88,678
+HK$4,440/mo
Deposit HK$10.50M · loan HK$15.75M · min. income ≈ HK$168,476/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,115,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,812
−HK$5,256/mo
▼ 0.25% · 3.875%
HK$86,419
−HK$2,649/mo
Today · 4.125%
HK$89,068
baseline
▲ 0.50% · 4.625%
HK$94,487
+HK$5,419/mo
Deposit HK$7.88M · loan HK$18.38M · min. income ≈ HK$178,136/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,240
−HK$5,038/mo
▼ 0.25% · 3.875%
HK$95,741
−HK$2,537/mo
Today · 4.125%
HK$98,278
baseline
▲ 0.50% · 4.625%
HK$103,458
+HK$5,180/mo
Deposit HK$7.88M · loan HK$18.38M · min. income ≈ HK$196,556/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,758
−HK$6,758/mo
▼ 0.25% · 3.875%
HK$111,110
−HK$3,406/mo
Today · 4.125%
HK$114,516
baseline
▲ 0.50% · 4.625%
HK$121,484
+HK$6,968/mo
Deposit HK$2.63M · loan HK$23.63M · min. income ≈ HK$229,032/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,880
−HK$6,477/mo
▼ 0.25% · 3.875%
HK$123,095
−HK$3,262/mo
Today · 4.125%
HK$126,357
baseline
▲ 0.50% · 4.625%
HK$133,017
+HK$6,660/mo
Deposit HK$2.63M · loan HK$23.63M · min. income ≈ HK$252,714/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,793 · Scale 2, in force from 26 Feb 2026)