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$59,816
−HK$3,751/mo
▼ 0.25% · 3.875%
HK$61,677
−HK$1,890/mo
Today · 4.125%
HK$63,567
baseline
▲ 0.50% · 4.625%
HK$67,435
+HK$3,868/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$127,134/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,114,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,545
−HK$3,595/mo
▼ 0.25% · 3.875%
HK$68,330
−HK$1,810/mo
Today · 4.125%
HK$70,140
baseline
▲ 0.50% · 4.625%
HK$73,837
+HK$3,697/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$140,280/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,114,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,779
−HK$4,502/mo
▼ 0.25% · 3.875%
HK$74,012
−HK$2,269/mo
Today · 4.125%
HK$76,281
baseline
▲ 0.50% · 4.625%
HK$80,922
+HK$4,641/mo
Deposit HK$10.49M · loan HK$15.74M · min. income ≈ HK$152,562/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,114,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,854
−HK$4,314/mo
▼ 0.25% · 3.875%
HK$81,996
−HK$2,172/mo
Today · 4.125%
HK$84,168
baseline
▲ 0.50% · 4.625%
HK$88,605
+HK$4,437/mo
Deposit HK$10.49M · loan HK$15.74M · min. income ≈ HK$168,336/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,114,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,743
−HK$5,251/mo
▼ 0.25% · 3.875%
HK$86,348
−HK$2,646/mo
Today · 4.125%
HK$88,994
baseline
▲ 0.50% · 4.625%
HK$94,409
+HK$5,415/mo
Deposit HK$7.87M · loan HK$18.36M · min. income ≈ HK$177,988/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,114,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,163
−HK$5,033/mo
▼ 0.25% · 3.875%
HK$95,662
−HK$2,534/mo
Today · 4.125%
HK$98,196
baseline
▲ 0.50% · 4.625%
HK$103,372
+HK$5,176/mo
Deposit HK$7.87M · loan HK$18.36M · min. income ≈ HK$196,392/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,114,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,669
−HK$6,752/mo
▼ 0.25% · 3.875%
HK$111,018
−HK$3,403/mo
Today · 4.125%
HK$114,421
baseline
▲ 0.50% · 4.625%
HK$121,383
+HK$6,962/mo
Deposit HK$2.62M · loan HK$23.61M · min. income ≈ HK$228,842/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,781
−HK$6,471/mo
▼ 0.25% · 3.875%
HK$122,993
−HK$3,259/mo
Today · 4.125%
HK$126,252
baseline
▲ 0.50% · 4.625%
HK$132,907
+HK$6,655/mo
Deposit HK$2.62M · loan HK$23.61M · min. income ≈ HK$252,504/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,871 · Scale 2, in force from 26 Feb 2026)