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$59,803
−HK$3,751/mo
▼ 0.25% · 3.875%
HK$61,664
−HK$1,890/mo
Today · 4.125%
HK$63,554
baseline
▲ 0.50% · 4.625%
HK$67,421
+HK$3,867/mo
Deposit HK$13.11M · loan HK$13.11M · min. income ≈ HK$127,108/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,114,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,531
−HK$3,594/mo
▼ 0.25% · 3.875%
HK$68,315
−HK$1,810/mo
Today · 4.125%
HK$70,125
baseline
▲ 0.50% · 4.625%
HK$73,822
+HK$3,697/mo
Deposit HK$13.11M · loan HK$13.11M · min. income ≈ HK$140,250/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,114,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,764
−HK$4,500/mo
▼ 0.25% · 3.875%
HK$73,996
−HK$2,268/mo
Today · 4.125%
HK$76,264
baseline
▲ 0.50% · 4.625%
HK$80,905
+HK$4,641/mo
Deposit HK$10.49M · loan HK$15.74M · min. income ≈ HK$152,528/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,114,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,837
−HK$4,313/mo
▼ 0.25% · 3.875%
HK$81,978
−HK$2,172/mo
Today · 4.125%
HK$84,150
baseline
▲ 0.50% · 4.625%
HK$88,586
+HK$4,436/mo
Deposit HK$10.49M · loan HK$15.74M · min. income ≈ HK$168,300/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,114,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,725
−HK$5,250/mo
▼ 0.25% · 3.875%
HK$86,329
−HK$2,646/mo
Today · 4.125%
HK$88,975
baseline
▲ 0.50% · 4.625%
HK$94,389
+HK$5,414/mo
Deposit HK$7.87M · loan HK$18.36M · min. income ≈ HK$177,950/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,114,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,143
−HK$5,032/mo
▼ 0.25% · 3.875%
HK$95,641
−HK$2,534/mo
Today · 4.125%
HK$98,175
baseline
▲ 0.50% · 4.625%
HK$103,350
+HK$5,175/mo
Deposit HK$7.87M · loan HK$18.36M · min. income ≈ HK$196,350/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,114,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,646
−HK$6,751/mo
▼ 0.25% · 3.875%
HK$110,995
−HK$3,402/mo
Today · 4.125%
HK$114,397
baseline
▲ 0.50% · 4.625%
HK$121,357
+HK$6,960/mo
Deposit HK$2.62M · loan HK$23.60M · min. income ≈ HK$228,794/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,755
−HK$6,470/mo
▼ 0.25% · 3.875%
HK$122,967
−HK$3,258/mo
Today · 4.125%
HK$126,225
baseline
▲ 0.50% · 4.625%
HK$132,879
+HK$6,654/mo
Deposit HK$2.62M · loan HK$23.60M · min. income ≈ HK$252,450/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,632 · Scale 2, in force from 26 Feb 2026)