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$59,842
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$61,703
−HK$1,892/mo
Today · 4.125%
HK$63,595
baseline
▲ 0.50% · 4.625%
HK$67,464
+HK$3,869/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$127,190/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,115,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,574
−HK$3,596/mo
▼ 0.25% · 3.875%
HK$68,359
−HK$1,811/mo
Today · 4.125%
HK$70,170
baseline
▲ 0.50% · 4.625%
HK$73,869
+HK$3,699/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$140,340/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,115,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,810
−HK$4,504/mo
▼ 0.25% · 3.875%
HK$74,044
−HK$2,270/mo
Today · 4.125%
HK$76,314
baseline
▲ 0.50% · 4.625%
HK$80,957
+HK$4,643/mo
Deposit HK$10.50M · loan HK$15.75M · min. income ≈ HK$152,628/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,115,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,888
−HK$4,316/mo
▼ 0.25% · 3.875%
HK$82,031
−HK$2,173/mo
Today · 4.125%
HK$84,204
baseline
▲ 0.50% · 4.625%
HK$88,643
+HK$4,439/mo
Deposit HK$10.50M · loan HK$15.75M · min. income ≈ HK$168,408/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,115,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,779
−HK$5,253/mo
▼ 0.25% · 3.875%
HK$86,385
−HK$2,647/mo
Today · 4.125%
HK$89,032
baseline
▲ 0.50% · 4.625%
HK$94,450
+HK$5,418/mo
Deposit HK$7.87M · loan HK$18.37M · min. income ≈ HK$178,064/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,203
−HK$5,036/mo
▼ 0.25% · 3.875%
HK$95,703
−HK$2,536/mo
Today · 4.125%
HK$98,239
baseline
▲ 0.50% · 4.625%
HK$103,417
+HK$5,178/mo
Deposit HK$7.87M · loan HK$18.37M · min. income ≈ HK$196,478/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,716
−HK$6,754/mo
▼ 0.25% · 3.875%
HK$111,066
−HK$3,404/mo
Today · 4.125%
HK$114,470
baseline
▲ 0.50% · 4.625%
HK$121,436
+HK$6,966/mo
Deposit HK$2.62M · loan HK$23.62M · min. income ≈ HK$228,940/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,833
−HK$6,474/mo
▼ 0.25% · 3.875%
HK$123,046
−HK$3,261/mo
Today · 4.125%
HK$126,307
baseline
▲ 0.50% · 4.625%
HK$132,964
+HK$6,657/mo
Deposit HK$2.62M · loan HK$23.62M · min. income ≈ HK$252,614/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,351 · Scale 2, in force from 26 Feb 2026)