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$59,782
−HK$3,749/mo
▼ 0.25% · 3.875%
HK$61,642
−HK$1,889/mo
Today · 4.125%
HK$63,531
baseline
▲ 0.50% · 4.625%
HK$67,397
+HK$3,866/mo
Deposit HK$13.11M · loan HK$13.11M · min. income ≈ HK$127,062/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,114,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,507
−HK$3,593/mo
▼ 0.25% · 3.875%
HK$68,291
−HK$1,809/mo
Today · 4.125%
HK$70,100
baseline
▲ 0.50% · 4.625%
HK$73,795
+HK$3,695/mo
Deposit HK$13.11M · loan HK$13.11M · min. income ≈ HK$140,200/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,114,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,738
−HK$4,499/mo
▼ 0.25% · 3.875%
HK$73,970
−HK$2,267/mo
Today · 4.125%
HK$76,237
baseline
▲ 0.50% · 4.625%
HK$80,876
+HK$4,639/mo
Deposit HK$10.49M · loan HK$15.73M · min. income ≈ HK$152,474/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,114,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,808
−HK$4,312/mo
▼ 0.25% · 3.875%
HK$81,949
−HK$2,171/mo
Today · 4.125%
HK$84,120
baseline
▲ 0.50% · 4.625%
HK$88,554
+HK$4,434/mo
Deposit HK$10.49M · loan HK$15.73M · min. income ≈ HK$168,240/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,114,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,695
−HK$5,248/mo
▼ 0.25% · 3.875%
HK$86,298
−HK$2,645/mo
Today · 4.125%
HK$88,943
baseline
▲ 0.50% · 4.625%
HK$94,355
+HK$5,412/mo
Deposit HK$7.87M · loan HK$18.35M · min. income ≈ HK$177,886/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,114,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,110
−HK$5,030/mo
▼ 0.25% · 3.875%
HK$95,607
−HK$2,533/mo
Today · 4.125%
HK$98,140
baseline
▲ 0.50% · 4.625%
HK$103,313
+HK$5,173/mo
Deposit HK$7.87M · loan HK$18.35M · min. income ≈ HK$196,280/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,114,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,608
−HK$6,748/mo
▼ 0.25% · 3.875%
HK$110,955
−HK$3,401/mo
Today · 4.125%
HK$114,356
baseline
▲ 0.50% · 4.625%
HK$121,314
+HK$6,958/mo
Deposit HK$2.62M · loan HK$23.60M · min. income ≈ HK$228,712/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,712
−HK$6,468/mo
▼ 0.25% · 3.875%
HK$122,923
−HK$3,257/mo
Today · 4.125%
HK$126,180
baseline
▲ 0.50% · 4.625%
HK$132,831
+HK$6,651/mo
Deposit HK$2.62M · loan HK$23.60M · min. income ≈ HK$252,360/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,233 · Scale 2, in force from 26 Feb 2026)