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$59,961
−HK$3,760/mo
▼ 0.25% · 3.875%
HK$61,826
−HK$1,895/mo
Today · 4.125%
HK$63,721
baseline
▲ 0.50% · 4.625%
HK$67,598
+HK$3,877/mo
Deposit HK$13.15M · loan HK$13.15M · min. income ≈ HK$127,442/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,117,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,706
−HK$3,604/mo
▼ 0.25% · 3.875%
HK$68,495
−HK$1,815/mo
Today · 4.125%
HK$70,310
baseline
▲ 0.50% · 4.625%
HK$74,016
+HK$3,706/mo
Deposit HK$13.15M · loan HK$13.15M · min. income ≈ HK$140,620/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,117,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,953
−HK$4,512/mo
▼ 0.25% · 3.875%
HK$74,191
−HK$2,274/mo
Today · 4.125%
HK$76,465
baseline
▲ 0.50% · 4.625%
HK$81,118
+HK$4,653/mo
Deposit HK$10.52M · loan HK$15.78M · min. income ≈ HK$152,930/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,117,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,047
−HK$4,325/mo
▼ 0.25% · 3.875%
HK$82,194
−HK$2,178/mo
Today · 4.125%
HK$84,372
baseline
▲ 0.50% · 4.625%
HK$88,819
+HK$4,447/mo
Deposit HK$10.52M · loan HK$15.78M · min. income ≈ HK$168,744/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,117,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,945
−HK$5,264/mo
▼ 0.25% · 3.875%
HK$86,556
−HK$2,653/mo
Today · 4.125%
HK$89,209
baseline
▲ 0.50% · 4.625%
HK$94,637
+HK$5,428/mo
Deposit HK$7.89M · loan HK$18.41M · min. income ≈ HK$178,418/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,117,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,388
−HK$5,046/mo
▼ 0.25% · 3.875%
HK$95,893
−HK$2,541/mo
Today · 4.125%
HK$98,434
baseline
▲ 0.50% · 4.625%
HK$103,622
+HK$5,188/mo
Deposit HK$7.89M · loan HK$18.41M · min. income ≈ HK$196,868/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,117,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,930
−HK$6,768/mo
▼ 0.25% · 3.875%
HK$111,287
−HK$3,411/mo
Today · 4.125%
HK$114,698
baseline
▲ 0.50% · 4.625%
HK$121,677
+HK$6,979/mo
Deposit HK$2.63M · loan HK$23.67M · min. income ≈ HK$229,396/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,117,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,071
−HK$6,487/mo
▼ 0.25% · 3.875%
HK$123,291
−HK$3,267/mo
Today · 4.125%
HK$126,558
baseline
▲ 0.50% · 4.625%
HK$133,229
+HK$6,671/mo
Deposit HK$2.63M · loan HK$23.67M · min. income ≈ HK$253,116/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,117,566 · Scale 2, in force from 26 Feb 2026)