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$59,867
−HK$3,754/mo
▼ 0.25% · 3.875%
HK$61,729
−HK$1,892/mo
Today · 4.125%
HK$63,621
baseline
▲ 0.50% · 4.625%
HK$67,492
+HK$3,871/mo
Deposit HK$13.13M · loan HK$13.13M · min. income ≈ HK$127,242/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,115,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,601
−HK$3,598/mo
▼ 0.25% · 3.875%
HK$68,387
−HK$1,812/mo
Today · 4.125%
HK$70,199
baseline
▲ 0.50% · 4.625%
HK$73,900
+HK$3,701/mo
Deposit HK$13.13M · loan HK$13.13M · min. income ≈ HK$140,398/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,115,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,840
−HK$4,505/mo
▼ 0.25% · 3.875%
HK$74,075
−HK$2,270/mo
Today · 4.125%
HK$76,345
baseline
▲ 0.50% · 4.625%
HK$80,990
+HK$4,645/mo
Deposit HK$10.50M · loan HK$15.75M · min. income ≈ HK$152,690/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,115,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,921
−HK$4,318/mo
▼ 0.25% · 3.875%
HK$82,065
−HK$2,174/mo
Today · 4.125%
HK$84,239
baseline
▲ 0.50% · 4.625%
HK$88,680
+HK$4,441/mo
Deposit HK$10.50M · loan HK$15.75M · min. income ≈ HK$168,478/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,115,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,813
−HK$5,256/mo
▼ 0.25% · 3.875%
HK$86,420
−HK$2,649/mo
Today · 4.125%
HK$89,069
baseline
▲ 0.50% · 4.625%
HK$94,489
+HK$5,420/mo
Deposit HK$7.88M · loan HK$18.38M · min. income ≈ HK$178,138/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,242
−HK$5,037/mo
▼ 0.25% · 3.875%
HK$95,742
−HK$2,537/mo
Today · 4.125%
HK$98,279
baseline
▲ 0.50% · 4.625%
HK$103,460
+HK$5,181/mo
Deposit HK$7.88M · loan HK$18.38M · min. income ≈ HK$196,558/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,760
−HK$6,758/mo
▼ 0.25% · 3.875%
HK$111,112
−HK$3,406/mo
Today · 4.125%
HK$114,518
baseline
▲ 0.50% · 4.625%
HK$121,486
+HK$6,968/mo
Deposit HK$2.63M · loan HK$23.63M · min. income ≈ HK$229,036/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,882
−HK$6,477/mo
▼ 0.25% · 3.875%
HK$123,097
−HK$3,262/mo
Today · 4.125%
HK$126,359
baseline
▲ 0.50% · 4.625%
HK$133,019
+HK$6,660/mo
Deposit HK$2.63M · loan HK$23.63M · min. income ≈ HK$252,718/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,812 · Scale 2, in force from 26 Feb 2026)