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$59,939
−HK$3,758/mo
▼ 0.25% · 3.875%
HK$61,803
−HK$1,894/mo
Today · 4.125%
HK$63,697
baseline
▲ 0.50% · 4.625%
HK$67,573
+HK$3,876/mo
Deposit HK$13.14M · loan HK$13.14M · min. income ≈ HK$127,394/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,117,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,681
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$68,469
−HK$1,815/mo
Today · 4.125%
HK$70,284
baseline
▲ 0.50% · 4.625%
HK$73,988
+HK$3,704/mo
Deposit HK$13.14M · loan HK$13.14M · min. income ≈ HK$140,568/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,117,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,926
−HK$4,511/mo
▼ 0.25% · 3.875%
HK$74,164
−HK$2,273/mo
Today · 4.125%
HK$76,437
baseline
▲ 0.50% · 4.625%
HK$81,088
+HK$4,651/mo
Deposit HK$10.51M · loan HK$15.77M · min. income ≈ HK$152,874/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,117,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,017
−HK$4,323/mo
▼ 0.25% · 3.875%
HK$82,163
−HK$2,177/mo
Today · 4.125%
HK$84,340
baseline
▲ 0.50% · 4.625%
HK$88,786
+HK$4,446/mo
Deposit HK$10.51M · loan HK$15.77M · min. income ≈ HK$168,680/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,117,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,914
−HK$5,262/mo
▼ 0.25% · 3.875%
HK$86,524
−HK$2,652/mo
Today · 4.125%
HK$89,176
baseline
▲ 0.50% · 4.625%
HK$94,602
+HK$5,426/mo
Deposit HK$7.89M · loan HK$18.40M · min. income ≈ HK$178,352/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,117,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,354
−HK$5,043/mo
▼ 0.25% · 3.875%
HK$95,857
−HK$2,540/mo
Today · 4.125%
HK$98,397
baseline
▲ 0.50% · 4.625%
HK$103,584
+HK$5,187/mo
Deposit HK$7.89M · loan HK$18.40M · min. income ≈ HK$196,794/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,117,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,890
−HK$6,765/mo
▼ 0.25% · 3.875%
HK$111,246
−HK$3,409/mo
Today · 4.125%
HK$114,655
baseline
▲ 0.50% · 4.625%
HK$121,632
+HK$6,977/mo
Deposit HK$2.63M · loan HK$23.66M · min. income ≈ HK$229,310/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,117,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,026
−HK$6,485/mo
▼ 0.25% · 3.875%
HK$123,245
−HK$3,266/mo
Today · 4.125%
HK$126,511
baseline
▲ 0.50% · 4.625%
HK$133,179
+HK$6,668/mo
Deposit HK$2.63M · loan HK$23.66M · min. income ≈ HK$253,022/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,117,152 · Scale 2, in force from 26 Feb 2026)