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$59,783
−HK$3,749/mo
▼ 0.25% · 3.875%
HK$61,642
−HK$1,890/mo
Today · 4.125%
HK$63,532
baseline
▲ 0.50% · 4.625%
HK$67,397
+HK$3,865/mo
Deposit HK$13.11M · loan HK$13.11M · min. income ≈ HK$127,064/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,114,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,508
−HK$3,593/mo
▼ 0.25% · 3.875%
HK$68,291
−HK$1,810/mo
Today · 4.125%
HK$70,101
baseline
▲ 0.50% · 4.625%
HK$73,796
+HK$3,695/mo
Deposit HK$13.11M · loan HK$13.11M · min. income ≈ HK$140,202/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,114,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,739
−HK$4,499/mo
▼ 0.25% · 3.875%
HK$73,971
−HK$2,267/mo
Today · 4.125%
HK$76,238
baseline
▲ 0.50% · 4.625%
HK$80,877
+HK$4,639/mo
Deposit HK$10.49M · loan HK$15.73M · min. income ≈ HK$152,476/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,114,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,809
−HK$4,312/mo
▼ 0.25% · 3.875%
HK$81,950
−HK$2,171/mo
Today · 4.125%
HK$84,121
baseline
▲ 0.50% · 4.625%
HK$88,555
+HK$4,434/mo
Deposit HK$10.49M · loan HK$15.73M · min. income ≈ HK$168,242/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,114,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,696
−HK$5,248/mo
▼ 0.25% · 3.875%
HK$86,299
−HK$2,645/mo
Today · 4.125%
HK$88,944
baseline
▲ 0.50% · 4.625%
HK$94,356
+HK$5,412/mo
Deposit HK$7.87M · loan HK$18.35M · min. income ≈ HK$177,888/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,114,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,111
−HK$5,030/mo
▼ 0.25% · 3.875%
HK$95,608
−HK$2,533/mo
Today · 4.125%
HK$98,141
baseline
▲ 0.50% · 4.625%
HK$103,314
+HK$5,173/mo
Deposit HK$7.87M · loan HK$18.35M · min. income ≈ HK$196,282/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,114,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,609
−HK$6,748/mo
▼ 0.25% · 3.875%
HK$110,956
−HK$3,401/mo
Today · 4.125%
HK$114,357
baseline
▲ 0.50% · 4.625%
HK$121,315
+HK$6,958/mo
Deposit HK$2.62M · loan HK$23.60M · min. income ≈ HK$228,714/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,714
−HK$6,468/mo
▼ 0.25% · 3.875%
HK$122,924
−HK$3,258/mo
Today · 4.125%
HK$126,182
baseline
▲ 0.50% · 4.625%
HK$132,833
+HK$6,651/mo
Deposit HK$2.62M · loan HK$23.60M · min. income ≈ HK$252,364/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,246 · Scale 2, in force from 26 Feb 2026)