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$59,942
−HK$3,759/mo
▼ 0.25% · 3.875%
HK$61,807
−HK$1,894/mo
Today · 4.125%
HK$63,701
baseline
▲ 0.50% · 4.625%
HK$67,577
+HK$3,876/mo
Deposit HK$13.14M · loan HK$13.14M · min. income ≈ HK$127,402/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,117,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,685
−HK$3,603/mo
▼ 0.25% · 3.875%
HK$68,474
−HK$1,814/mo
Today · 4.125%
HK$70,288
baseline
▲ 0.50% · 4.625%
HK$73,993
+HK$3,705/mo
Deposit HK$13.14M · loan HK$13.14M · min. income ≈ HK$140,576/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,117,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,931
−HK$4,510/mo
▼ 0.25% · 3.875%
HK$74,168
−HK$2,273/mo
Today · 4.125%
HK$76,441
baseline
▲ 0.50% · 4.625%
HK$81,093
+HK$4,652/mo
Deposit HK$10.51M · loan HK$15.77M · min. income ≈ HK$152,882/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,117,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,022
−HK$4,323/mo
▼ 0.25% · 3.875%
HK$82,168
−HK$2,177/mo
Today · 4.125%
HK$84,345
baseline
▲ 0.50% · 4.625%
HK$88,791
+HK$4,446/mo
Deposit HK$10.51M · loan HK$15.77M · min. income ≈ HK$168,690/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,117,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,919
−HK$5,263/mo
▼ 0.25% · 3.875%
HK$86,529
−HK$2,653/mo
Today · 4.125%
HK$89,182
baseline
▲ 0.50% · 4.625%
HK$94,608
+HK$5,426/mo
Deposit HK$7.89M · loan HK$18.40M · min. income ≈ HK$178,364/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,117,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,359
−HK$5,044/mo
▼ 0.25% · 3.875%
HK$95,863
−HK$2,540/mo
Today · 4.125%
HK$98,403
baseline
▲ 0.50% · 4.625%
HK$103,590
+HK$5,187/mo
Deposit HK$7.89M · loan HK$18.40M · min. income ≈ HK$196,806/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,117,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,896
−HK$6,766/mo
▼ 0.25% · 3.875%
HK$111,252
−HK$3,410/mo
Today · 4.125%
HK$114,662
baseline
▲ 0.50% · 4.625%
HK$121,639
+HK$6,977/mo
Deposit HK$2.63M · loan HK$23.66M · min. income ≈ HK$229,324/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,117,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,033
−HK$6,485/mo
▼ 0.25% · 3.875%
HK$123,252
−HK$3,266/mo
Today · 4.125%
HK$126,518
baseline
▲ 0.50% · 4.625%
HK$133,187
+HK$6,669/mo
Deposit HK$2.63M · loan HK$23.66M · min. income ≈ HK$253,036/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,117,218 · Scale 2, in force from 26 Feb 2026)