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$59,737
−HK$3,746/mo
▼ 0.25% · 3.875%
HK$61,595
−HK$1,888/mo
Today · 4.125%
HK$63,483
baseline
▲ 0.50% · 4.625%
HK$67,346
+HK$3,863/mo
Deposit HK$13.10M · loan HK$13.10M · min. income ≈ HK$126,966/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,113,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,457
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$68,239
−HK$1,808/mo
Today · 4.125%
HK$70,047
baseline
▲ 0.50% · 4.625%
HK$73,740
+HK$3,693/mo
Deposit HK$13.10M · loan HK$13.10M · min. income ≈ HK$140,094/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,113,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,684
−HK$4,496/mo
▼ 0.25% · 3.875%
HK$73,914
−HK$2,266/mo
Today · 4.125%
HK$76,180
baseline
▲ 0.50% · 4.625%
HK$80,815
+HK$4,635/mo
Deposit HK$10.48M · loan HK$15.72M · min. income ≈ HK$152,360/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,113,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,748
−HK$4,309/mo
▼ 0.25% · 3.875%
HK$81,887
−HK$2,170/mo
Today · 4.125%
HK$84,057
baseline
▲ 0.50% · 4.625%
HK$88,488
+HK$4,431/mo
Deposit HK$10.48M · loan HK$15.72M · min. income ≈ HK$168,114/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,113,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,632
−HK$5,244/mo
▼ 0.25% · 3.875%
HK$86,233
−HK$2,643/mo
Today · 4.125%
HK$88,876
baseline
▲ 0.50% · 4.625%
HK$94,284
+HK$5,408/mo
Deposit HK$7.86M · loan HK$18.34M · min. income ≈ HK$177,752/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,113,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,040
−HK$5,026/mo
▼ 0.25% · 3.875%
HK$95,535
−HK$2,531/mo
Today · 4.125%
HK$98,066
baseline
▲ 0.50% · 4.625%
HK$103,235
+HK$5,169/mo
Deposit HK$7.86M · loan HK$18.34M · min. income ≈ HK$196,132/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,113,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,527
−HK$6,743/mo
▼ 0.25% · 3.875%
HK$110,871
−HK$3,399/mo
Today · 4.125%
HK$114,270
baseline
▲ 0.50% · 4.625%
HK$121,223
+HK$6,953/mo
Deposit HK$2.62M · loan HK$23.58M · min. income ≈ HK$228,540/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,113,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,622
−HK$6,463/mo
▼ 0.25% · 3.875%
HK$122,831
−HK$3,254/mo
Today · 4.125%
HK$126,085
baseline
▲ 0.50% · 4.625%
HK$132,731
+HK$6,646/mo
Deposit HK$2.62M · loan HK$23.58M · min. income ≈ HK$252,170/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,113,395 · Scale 2, in force from 26 Feb 2026)