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$59,900
−HK$3,756/mo
▼ 0.25% · 3.875%
HK$61,763
−HK$1,893/mo
Today · 4.125%
HK$63,656
baseline
▲ 0.50% · 4.625%
HK$67,530
+HK$3,874/mo
Deposit HK$13.13M · loan HK$13.13M · min. income ≈ HK$127,312/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,116,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,638
−HK$3,601/mo
▼ 0.25% · 3.875%
HK$68,426
−HK$1,813/mo
Today · 4.125%
HK$70,239
baseline
▲ 0.50% · 4.625%
HK$73,941
+HK$3,702/mo
Deposit HK$13.13M · loan HK$13.13M · min. income ≈ HK$140,478/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,116,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,880
−HK$4,508/mo
▼ 0.25% · 3.875%
HK$74,116
−HK$2,272/mo
Today · 4.125%
HK$76,388
baseline
▲ 0.50% · 4.625%
HK$81,036
+HK$4,648/mo
Deposit HK$10.51M · loan HK$15.76M · min. income ≈ HK$152,776/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,116,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,966
−HK$4,320/mo
▼ 0.25% · 3.875%
HK$82,111
−HK$2,175/mo
Today · 4.125%
HK$84,286
baseline
▲ 0.50% · 4.625%
HK$88,729
+HK$4,443/mo
Deposit HK$10.51M · loan HK$15.76M · min. income ≈ HK$168,572/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,116,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,860
−HK$5,259/mo
▼ 0.25% · 3.875%
HK$86,469
−HK$2,650/mo
Today · 4.125%
HK$89,119
baseline
▲ 0.50% · 4.625%
HK$94,542
+HK$5,423/mo
Deposit HK$7.88M · loan HK$18.39M · min. income ≈ HK$178,238/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,116,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,294
−HK$5,040/mo
▼ 0.25% · 3.875%
HK$95,796
−HK$2,538/mo
Today · 4.125%
HK$98,334
baseline
▲ 0.50% · 4.625%
HK$103,517
+HK$5,183/mo
Deposit HK$7.88M · loan HK$18.39M · min. income ≈ HK$196,668/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,116,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,820
−HK$6,762/mo
▼ 0.25% · 3.875%
HK$111,174
−HK$3,408/mo
Today · 4.125%
HK$114,582
baseline
▲ 0.50% · 4.625%
HK$121,554
+HK$6,972/mo
Deposit HK$2.63M · loan HK$23.64M · min. income ≈ HK$229,164/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,116,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,949
−HK$6,481/mo
▼ 0.25% · 3.875%
HK$123,166
−HK$3,264/mo
Today · 4.125%
HK$126,430
baseline
▲ 0.50% · 4.625%
HK$133,094
+HK$6,664/mo
Deposit HK$2.63M · loan HK$23.64M · min. income ≈ HK$252,860/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,116,435 · Scale 2, in force from 26 Feb 2026)