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$59,879
−HK$3,755/mo
▼ 0.25% · 3.875%
HK$61,742
−HK$1,892/mo
Today · 4.125%
HK$63,634
baseline
▲ 0.50% · 4.625%
HK$67,506
+HK$3,872/mo
Deposit HK$13.13M · loan HK$13.13M · min. income ≈ HK$127,268/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,116,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,615
−HK$3,599/mo
▼ 0.25% · 3.875%
HK$68,402
−HK$1,812/mo
Today · 4.125%
HK$70,214
baseline
▲ 0.50% · 4.625%
HK$73,915
+HK$3,701/mo
Deposit HK$13.13M · loan HK$13.13M · min. income ≈ HK$140,428/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,116,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,855
−HK$4,506/mo
▼ 0.25% · 3.875%
HK$74,090
−HK$2,271/mo
Today · 4.125%
HK$76,361
baseline
▲ 0.50% · 4.625%
HK$81,007
+HK$4,646/mo
Deposit HK$10.50M · loan HK$15.76M · min. income ≈ HK$152,722/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,116,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,938
−HK$4,319/mo
▼ 0.25% · 3.875%
HK$82,082
−HK$2,175/mo
Today · 4.125%
HK$84,257
baseline
▲ 0.50% · 4.625%
HK$88,698
+HK$4,441/mo
Deposit HK$10.50M · loan HK$15.76M · min. income ≈ HK$168,514/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,116,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,831
−HK$5,257/mo
▼ 0.25% · 3.875%
HK$86,439
−HK$2,649/mo
Today · 4.125%
HK$89,088
baseline
▲ 0.50% · 4.625%
HK$94,509
+HK$5,421/mo
Deposit HK$7.88M · loan HK$18.38M · min. income ≈ HK$178,176/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,116,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,261
−HK$5,039/mo
▼ 0.25% · 3.875%
HK$95,762
−HK$2,538/mo
Today · 4.125%
HK$98,300
baseline
▲ 0.50% · 4.625%
HK$103,481
+HK$5,181/mo
Deposit HK$7.88M · loan HK$18.38M · min. income ≈ HK$196,600/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,116,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,783
−HK$6,759/mo
▼ 0.25% · 3.875%
HK$111,135
−HK$3,407/mo
Today · 4.125%
HK$114,542
baseline
▲ 0.50% · 4.625%
HK$121,511
+HK$6,969/mo
Deposit HK$2.63M · loan HK$23.63M · min. income ≈ HK$229,084/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,116,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,907
−HK$6,478/mo
▼ 0.25% · 3.875%
HK$123,123
−HK$3,262/mo
Today · 4.125%
HK$126,385
baseline
▲ 0.50% · 4.625%
HK$133,047
+HK$6,662/mo
Deposit HK$2.63M · loan HK$23.63M · min. income ≈ HK$252,770/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,116,046 · Scale 2, in force from 26 Feb 2026)