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$59,754
−HK$3,747/mo
▼ 0.25% · 3.875%
HK$61,613
−HK$1,888/mo
Today · 4.125%
HK$63,501
baseline
▲ 0.50% · 4.625%
HK$67,365
+HK$3,864/mo
Deposit HK$13.10M · loan HK$13.10M · min. income ≈ HK$127,002/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,113,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,476
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$68,259
−HK$1,808/mo
Today · 4.125%
HK$70,067
baseline
▲ 0.50% · 4.625%
HK$73,761
+HK$3,694/mo
Deposit HK$13.10M · loan HK$13.10M · min. income ≈ HK$140,134/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,113,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,705
−HK$4,496/mo
▼ 0.25% · 3.875%
HK$73,935
−HK$2,266/mo
Today · 4.125%
HK$76,201
baseline
▲ 0.50% · 4.625%
HK$80,838
+HK$4,637/mo
Deposit HK$10.48M · loan HK$15.72M · min. income ≈ HK$152,402/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,113,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,771
−HK$4,310/mo
▼ 0.25% · 3.875%
HK$81,910
−HK$2,171/mo
Today · 4.125%
HK$84,081
baseline
▲ 0.50% · 4.625%
HK$88,513
+HK$4,432/mo
Deposit HK$10.48M · loan HK$15.72M · min. income ≈ HK$168,162/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,113,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,656
−HK$5,246/mo
▼ 0.25% · 3.875%
HK$86,258
−HK$2,644/mo
Today · 4.125%
HK$88,902
baseline
▲ 0.50% · 4.625%
HK$94,311
+HK$5,409/mo
Deposit HK$7.86M · loan HK$18.34M · min. income ≈ HK$177,804/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,113,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,066
−HK$5,028/mo
▼ 0.25% · 3.875%
HK$95,562
−HK$2,532/mo
Today · 4.125%
HK$98,094
baseline
▲ 0.50% · 4.625%
HK$103,265
+HK$5,171/mo
Deposit HK$7.86M · loan HK$18.34M · min. income ≈ HK$196,188/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,113,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,557
−HK$6,745/mo
▼ 0.25% · 3.875%
HK$110,903
−HK$3,399/mo
Today · 4.125%
HK$114,302
baseline
▲ 0.50% · 4.625%
HK$121,257
+HK$6,955/mo
Deposit HK$2.62M · loan HK$23.58M · min. income ≈ HK$228,604/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,113,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,656
−HK$6,465/mo
▼ 0.25% · 3.875%
HK$122,866
−HK$3,255/mo
Today · 4.125%
HK$126,121
baseline
▲ 0.50% · 4.625%
HK$132,769
+HK$6,648/mo
Deposit HK$2.62M · loan HK$23.58M · min. income ≈ HK$252,242/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,113,712 · Scale 2, in force from 26 Feb 2026)