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$59,967
−HK$3,761/mo
▼ 0.25% · 3.875%
HK$61,833
−HK$1,895/mo
Today · 4.125%
HK$63,728
baseline
▲ 0.50% · 4.625%
HK$67,605
+HK$3,877/mo
Deposit HK$13.15M · loan HK$13.15M · min. income ≈ HK$127,456/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,117,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,713
−HK$3,604/mo
▼ 0.25% · 3.875%
HK$68,502
−HK$1,815/mo
Today · 4.125%
HK$70,317
baseline
▲ 0.50% · 4.625%
HK$74,024
+HK$3,707/mo
Deposit HK$13.15M · loan HK$13.15M · min. income ≈ HK$140,634/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,117,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,961
−HK$4,512/mo
▼ 0.25% · 3.875%
HK$74,199
−HK$2,274/mo
Today · 4.125%
HK$76,473
baseline
▲ 0.50% · 4.625%
HK$81,126
+HK$4,653/mo
Deposit HK$10.52M · loan HK$15.78M · min. income ≈ HK$152,946/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,117,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,056
−HK$4,325/mo
▼ 0.25% · 3.875%
HK$82,203
−HK$2,178/mo
Today · 4.125%
HK$84,381
baseline
▲ 0.50% · 4.625%
HK$88,828
+HK$4,447/mo
Deposit HK$10.52M · loan HK$15.78M · min. income ≈ HK$168,762/mo (50% DSR)
Upfront cash ≈ HK$11.64M (deposit + AVD stamp duty HK$1,117,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,954
−HK$5,265/mo
▼ 0.25% · 3.875%
HK$86,566
−HK$2,653/mo
Today · 4.125%
HK$89,219
baseline
▲ 0.50% · 4.625%
HK$94,648
+HK$5,429/mo
Deposit HK$7.89M · loan HK$18.41M · min. income ≈ HK$178,438/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,117,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,398
−HK$5,046/mo
▼ 0.25% · 3.875%
HK$95,903
−HK$2,541/mo
Today · 4.125%
HK$98,444
baseline
▲ 0.50% · 4.625%
HK$103,633
+HK$5,189/mo
Deposit HK$7.89M · loan HK$18.41M · min. income ≈ HK$196,888/mo (50% DSR)
Upfront cash ≈ HK$9.01M (deposit + AVD stamp duty HK$1,117,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,941
−HK$6,769/mo
▼ 0.25% · 3.875%
HK$111,299
−HK$3,411/mo
Today · 4.125%
HK$114,710
baseline
▲ 0.50% · 4.625%
HK$121,690
+HK$6,980/mo
Deposit HK$2.63M · loan HK$23.67M · min. income ≈ HK$229,420/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,117,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,083
−HK$6,488/mo
▼ 0.25% · 3.875%
HK$123,304
−HK$3,267/mo
Today · 4.125%
HK$126,571
baseline
▲ 0.50% · 4.625%
HK$133,243
+HK$6,672/mo
Deposit HK$2.63M · loan HK$23.67M · min. income ≈ HK$253,142/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,117,685 · Scale 2, in force from 26 Feb 2026)