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$59,749
−HK$3,747/mo
▼ 0.25% · 3.875%
HK$61,608
−HK$1,888/mo
Today · 4.125%
HK$63,496
baseline
▲ 0.50% · 4.625%
HK$67,360
+HK$3,864/mo
Deposit HK$13.10M · loan HK$13.10M · min. income ≈ HK$126,992/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,113,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,470
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$68,253
−HK$1,808/mo
Today · 4.125%
HK$70,061
baseline
▲ 0.50% · 4.625%
HK$73,755
+HK$3,694/mo
Deposit HK$13.10M · loan HK$13.10M · min. income ≈ HK$140,122/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,113,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,699
−HK$4,496/mo
▼ 0.25% · 3.875%
HK$73,929
−HK$2,266/mo
Today · 4.125%
HK$76,195
baseline
▲ 0.50% · 4.625%
HK$80,831
+HK$4,636/mo
Deposit HK$10.48M · loan HK$15.72M · min. income ≈ HK$152,390/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,113,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,764
−HK$4,310/mo
▼ 0.25% · 3.875%
HK$81,904
−HK$2,170/mo
Today · 4.125%
HK$84,074
baseline
▲ 0.50% · 4.625%
HK$88,505
+HK$4,431/mo
Deposit HK$10.48M · loan HK$15.72M · min. income ≈ HK$168,148/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,113,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,649
−HK$5,245/mo
▼ 0.25% · 3.875%
HK$86,251
−HK$2,643/mo
Today · 4.125%
HK$88,894
baseline
▲ 0.50% · 4.625%
HK$94,303
+HK$5,409/mo
Deposit HK$7.86M · loan HK$18.34M · min. income ≈ HK$177,788/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,113,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,058
−HK$5,028/mo
▼ 0.25% · 3.875%
HK$95,554
−HK$2,532/mo
Today · 4.125%
HK$98,086
baseline
▲ 0.50% · 4.625%
HK$103,256
+HK$5,170/mo
Deposit HK$7.86M · loan HK$18.34M · min. income ≈ HK$196,172/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,113,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,548
−HK$6,745/mo
▼ 0.25% · 3.875%
HK$110,894
−HK$3,399/mo
Today · 4.125%
HK$114,293
baseline
▲ 0.50% · 4.625%
HK$121,247
+HK$6,954/mo
Deposit HK$2.62M · loan HK$23.58M · min. income ≈ HK$228,586/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,113,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,647
−HK$6,464/mo
▼ 0.25% · 3.875%
HK$122,855
−HK$3,256/mo
Today · 4.125%
HK$126,111
baseline
▲ 0.50% · 4.625%
HK$132,758
+HK$6,647/mo
Deposit HK$2.62M · loan HK$23.58M · min. income ≈ HK$252,222/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,113,620 · Scale 2, in force from 26 Feb 2026)