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$59,917
−HK$3,758/mo
▼ 0.25% · 3.875%
HK$61,781
−HK$1,894/mo
Today · 4.125%
HK$63,675
baseline
▲ 0.50% · 4.625%
HK$67,549
+HK$3,874/mo
Deposit HK$13.14M · loan HK$13.14M · min. income ≈ HK$127,350/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,116,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,657
−HK$3,602/mo
▼ 0.25% · 3.875%
HK$68,445
−HK$1,814/mo
Today · 4.125%
HK$70,259
baseline
▲ 0.50% · 4.625%
HK$73,962
+HK$3,703/mo
Deposit HK$13.14M · loan HK$13.14M · min. income ≈ HK$140,518/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,116,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,901
−HK$4,509/mo
▼ 0.25% · 3.875%
HK$74,137
−HK$2,273/mo
Today · 4.125%
HK$76,410
baseline
▲ 0.50% · 4.625%
HK$81,059
+HK$4,649/mo
Deposit HK$10.51M · loan HK$15.77M · min. income ≈ HK$152,820/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,116,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,989
−HK$4,322/mo
▼ 0.25% · 3.875%
HK$82,134
−HK$2,177/mo
Today · 4.125%
HK$84,311
baseline
▲ 0.50% · 4.625%
HK$88,755
+HK$4,444/mo
Deposit HK$10.51M · loan HK$15.77M · min. income ≈ HK$168,622/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,116,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,884
−HK$5,261/mo
▼ 0.25% · 3.875%
HK$86,494
−HK$2,651/mo
Today · 4.125%
HK$89,145
baseline
▲ 0.50% · 4.625%
HK$94,569
+HK$5,424/mo
Deposit HK$7.88M · loan HK$18.39M · min. income ≈ HK$178,290/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,116,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,320
−HK$5,042/mo
▼ 0.25% · 3.875%
HK$95,823
−HK$2,539/mo
Today · 4.125%
HK$98,362
baseline
▲ 0.50% · 4.625%
HK$103,547
+HK$5,185/mo
Deposit HK$7.88M · loan HK$18.39M · min. income ≈ HK$196,724/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,116,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,851
−HK$6,763/mo
▼ 0.25% · 3.875%
HK$111,206
−HK$3,408/mo
Today · 4.125%
HK$114,614
baseline
▲ 0.50% · 4.625%
HK$121,589
+HK$6,975/mo
Deposit HK$2.63M · loan HK$23.65M · min. income ≈ HK$229,228/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,116,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,983
−HK$6,483/mo
▼ 0.25% · 3.875%
HK$123,201
−HK$3,265/mo
Today · 4.125%
HK$126,466
baseline
▲ 0.50% · 4.625%
HK$133,132
+HK$6,666/mo
Deposit HK$2.63M · loan HK$23.65M · min. income ≈ HK$252,932/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,116,756 · Scale 2, in force from 26 Feb 2026)