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$59,802
−HK$3,751/mo
▼ 0.25% · 3.875%
HK$61,663
−HK$1,890/mo
Today · 4.125%
HK$63,553
baseline
▲ 0.50% · 4.625%
HK$67,420
+HK$3,867/mo
Deposit HK$13.11M · loan HK$13.11M · min. income ≈ HK$127,106/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,114,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,530
−HK$3,594/mo
▼ 0.25% · 3.875%
HK$68,314
−HK$1,810/mo
Today · 4.125%
HK$70,124
baseline
▲ 0.50% · 4.625%
HK$73,820
+HK$3,696/mo
Deposit HK$13.11M · loan HK$13.11M · min. income ≈ HK$140,248/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,114,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,763
−HK$4,500/mo
▼ 0.25% · 3.875%
HK$73,995
−HK$2,268/mo
Today · 4.125%
HK$76,263
baseline
▲ 0.50% · 4.625%
HK$80,904
+HK$4,641/mo
Deposit HK$10.49M · loan HK$15.74M · min. income ≈ HK$152,526/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,114,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,836
−HK$4,313/mo
▼ 0.25% · 3.875%
HK$81,977
−HK$2,172/mo
Today · 4.125%
HK$84,149
baseline
▲ 0.50% · 4.625%
HK$88,584
+HK$4,435/mo
Deposit HK$10.49M · loan HK$15.74M · min. income ≈ HK$168,298/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,114,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,723
−HK$5,251/mo
▼ 0.25% · 3.875%
HK$86,328
−HK$2,646/mo
Today · 4.125%
HK$88,974
baseline
▲ 0.50% · 4.625%
HK$94,387
+HK$5,413/mo
Deposit HK$7.87M · loan HK$18.36M · min. income ≈ HK$177,948/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,114,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,141
−HK$5,033/mo
▼ 0.25% · 3.875%
HK$95,639
−HK$2,535/mo
Today · 4.125%
HK$98,174
baseline
▲ 0.50% · 4.625%
HK$103,348
+HK$5,174/mo
Deposit HK$7.87M · loan HK$18.36M · min. income ≈ HK$196,348/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,114,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,644
−HK$6,751/mo
▼ 0.25% · 3.875%
HK$110,993
−HK$3,402/mo
Today · 4.125%
HK$114,395
baseline
▲ 0.50% · 4.625%
HK$121,355
+HK$6,960/mo
Deposit HK$2.62M · loan HK$23.60M · min. income ≈ HK$228,790/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,753
−HK$6,470/mo
▼ 0.25% · 3.875%
HK$122,965
−HK$3,258/mo
Today · 4.125%
HK$126,223
baseline
▲ 0.50% · 4.625%
HK$132,877
+HK$6,654/mo
Deposit HK$2.62M · loan HK$23.60M · min. income ≈ HK$252,446/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,613 · Scale 2, in force from 26 Feb 2026)