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$59,862
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$61,724
−HK$1,891/mo
Today · 4.125%
HK$63,615
baseline
▲ 0.50% · 4.625%
HK$67,486
+HK$3,871/mo
Deposit HK$13.13M · loan HK$13.13M · min. income ≈ HK$127,230/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,115,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,595
−HK$3,598/mo
▼ 0.25% · 3.875%
HK$68,381
−HK$1,812/mo
Today · 4.125%
HK$70,193
baseline
▲ 0.50% · 4.625%
HK$73,893
+HK$3,700/mo
Deposit HK$13.13M · loan HK$13.13M · min. income ≈ HK$140,386/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,115,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,834
−HK$4,505/mo
▼ 0.25% · 3.875%
HK$74,068
−HK$2,271/mo
Today · 4.125%
HK$76,339
baseline
▲ 0.50% · 4.625%
HK$80,984
+HK$4,645/mo
Deposit HK$10.50M · loan HK$15.75M · min. income ≈ HK$152,678/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,115,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,915
−HK$4,317/mo
▼ 0.25% · 3.875%
HK$82,058
−HK$2,174/mo
Today · 4.125%
HK$84,232
baseline
▲ 0.50% · 4.625%
HK$88,672
+HK$4,440/mo
Deposit HK$10.50M · loan HK$15.75M · min. income ≈ HK$168,464/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,115,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,806
−HK$5,256/mo
▼ 0.25% · 3.875%
HK$86,413
−HK$2,649/mo
Today · 4.125%
HK$89,062
baseline
▲ 0.50% · 4.625%
HK$94,481
+HK$5,419/mo
Deposit HK$7.88M · loan HK$18.38M · min. income ≈ HK$178,124/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,234
−HK$5,037/mo
▼ 0.25% · 3.875%
HK$95,734
−HK$2,537/mo
Today · 4.125%
HK$98,271
baseline
▲ 0.50% · 4.625%
HK$103,451
+HK$5,180/mo
Deposit HK$7.88M · loan HK$18.38M · min. income ≈ HK$196,542/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,751
−HK$6,757/mo
▼ 0.25% · 3.875%
HK$111,103
−HK$3,405/mo
Today · 4.125%
HK$114,508
baseline
▲ 0.50% · 4.625%
HK$121,475
+HK$6,967/mo
Deposit HK$2.63M · loan HK$23.63M · min. income ≈ HK$229,016/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,872
−HK$6,476/mo
▼ 0.25% · 3.875%
HK$123,087
−HK$3,261/mo
Today · 4.125%
HK$126,348
baseline
▲ 0.50% · 4.625%
HK$133,008
+HK$6,660/mo
Deposit HK$2.63M · loan HK$23.63M · min. income ≈ HK$252,696/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,716 · Scale 2, in force from 26 Feb 2026)