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$59,799
−HK$3,750/mo
▼ 0.25% · 3.875%
HK$61,659
−HK$1,890/mo
Today · 4.125%
HK$63,549
baseline
▲ 0.50% · 4.625%
HK$67,415
+HK$3,866/mo
Deposit HK$13.11M · loan HK$13.11M · min. income ≈ HK$127,098/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,114,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,525
−HK$3,595/mo
▼ 0.25% · 3.875%
HK$68,310
−HK$1,810/mo
Today · 4.125%
HK$70,120
baseline
▲ 0.50% · 4.625%
HK$73,816
+HK$3,696/mo
Deposit HK$13.11M · loan HK$13.11M · min. income ≈ HK$140,240/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,114,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,758
−HK$4,500/mo
▼ 0.25% · 3.875%
HK$73,990
−HK$2,268/mo
Today · 4.125%
HK$76,258
baseline
▲ 0.50% · 4.625%
HK$80,898
+HK$4,640/mo
Deposit HK$10.49M · loan HK$15.73M · min. income ≈ HK$152,516/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,114,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,830
−HK$4,313/mo
▼ 0.25% · 3.875%
HK$81,971
−HK$2,172/mo
Today · 4.125%
HK$84,143
baseline
▲ 0.50% · 4.625%
HK$88,579
+HK$4,436/mo
Deposit HK$10.49M · loan HK$15.73M · min. income ≈ HK$168,286/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,114,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,718
−HK$5,250/mo
▼ 0.25% · 3.875%
HK$86,322
−HK$2,646/mo
Today · 4.125%
HK$88,968
baseline
▲ 0.50% · 4.625%
HK$94,381
+HK$5,413/mo
Deposit HK$7.87M · loan HK$18.36M · min. income ≈ HK$177,936/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,114,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,136
−HK$5,031/mo
▼ 0.25% · 3.875%
HK$95,633
−HK$2,534/mo
Today · 4.125%
HK$98,167
baseline
▲ 0.50% · 4.625%
HK$103,342
+HK$5,175/mo
Deposit HK$7.87M · loan HK$18.36M · min. income ≈ HK$196,334/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,114,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,638
−HK$6,749/mo
▼ 0.25% · 3.875%
HK$110,986
−HK$3,401/mo
Today · 4.125%
HK$114,387
baseline
▲ 0.50% · 4.625%
HK$121,348
+HK$6,961/mo
Deposit HK$2.62M · loan HK$23.60M · min. income ≈ HK$228,774/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,746
−HK$6,469/mo
▼ 0.25% · 3.875%
HK$122,957
−HK$3,258/mo
Today · 4.125%
HK$126,215
baseline
▲ 0.50% · 4.625%
HK$132,868
+HK$6,653/mo
Deposit HK$2.62M · loan HK$23.60M · min. income ≈ HK$252,430/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,542 · Scale 2, in force from 26 Feb 2026)