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$59,833
−HK$3,752/mo
▼ 0.25% · 3.875%
HK$61,694
−HK$1,891/mo
Today · 4.125%
HK$63,585
baseline
▲ 0.50% · 4.625%
HK$67,454
+HK$3,869/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$127,170/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,115,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,564
−HK$3,596/mo
▼ 0.25% · 3.875%
HK$68,349
−HK$1,811/mo
Today · 4.125%
HK$70,160
baseline
▲ 0.50% · 4.625%
HK$73,858
+HK$3,698/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$140,320/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,115,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,800
−HK$4,502/mo
▼ 0.25% · 3.875%
HK$74,033
−HK$2,269/mo
Today · 4.125%
HK$76,302
baseline
▲ 0.50% · 4.625%
HK$80,945
+HK$4,643/mo
Deposit HK$10.50M · loan HK$15.74M · min. income ≈ HK$152,604/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,115,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,877
−HK$4,315/mo
▼ 0.25% · 3.875%
HK$82,019
−HK$2,173/mo
Today · 4.125%
HK$84,192
baseline
▲ 0.50% · 4.625%
HK$88,630
+HK$4,438/mo
Deposit HK$10.50M · loan HK$15.74M · min. income ≈ HK$168,384/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,115,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,766
−HK$5,253/mo
▼ 0.25% · 3.875%
HK$86,372
−HK$2,647/mo
Today · 4.125%
HK$89,019
baseline
▲ 0.50% · 4.625%
HK$94,436
+HK$5,417/mo
Deposit HK$7.87M · loan HK$18.37M · min. income ≈ HK$178,038/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,189
−HK$5,035/mo
▼ 0.25% · 3.875%
HK$95,689
−HK$2,535/mo
Today · 4.125%
HK$98,224
baseline
▲ 0.50% · 4.625%
HK$103,402
+HK$5,178/mo
Deposit HK$7.87M · loan HK$18.37M · min. income ≈ HK$196,448/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,700
−HK$6,753/mo
▼ 0.25% · 3.875%
HK$111,050
−HK$3,403/mo
Today · 4.125%
HK$114,453
baseline
▲ 0.50% · 4.625%
HK$121,418
+HK$6,965/mo
Deposit HK$2.62M · loan HK$23.62M · min. income ≈ HK$228,906/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,815
−HK$6,473/mo
▼ 0.25% · 3.875%
HK$123,028
−HK$3,260/mo
Today · 4.125%
HK$126,288
baseline
▲ 0.50% · 4.625%
HK$132,945
+HK$6,657/mo
Deposit HK$2.62M · loan HK$23.62M · min. income ≈ HK$252,576/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,187 · Scale 2, in force from 26 Feb 2026)