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$59,751
−HK$3,747/mo
▼ 0.25% · 3.875%
HK$61,610
−HK$1,888/mo
Today · 4.125%
HK$63,498
baseline
▲ 0.50% · 4.625%
HK$67,362
+HK$3,864/mo
Deposit HK$13.10M · loan HK$13.10M · min. income ≈ HK$126,996/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,113,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,472
−HK$3,592/mo
▼ 0.25% · 3.875%
HK$68,255
−HK$1,809/mo
Today · 4.125%
HK$70,064
baseline
▲ 0.50% · 4.625%
HK$73,757
+HK$3,693/mo
Deposit HK$13.10M · loan HK$13.10M · min. income ≈ HK$140,128/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,113,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,701
−HK$4,496/mo
▼ 0.25% · 3.875%
HK$73,932
−HK$2,265/mo
Today · 4.125%
HK$76,197
baseline
▲ 0.50% · 4.625%
HK$80,834
+HK$4,637/mo
Deposit HK$10.48M · loan HK$15.72M · min. income ≈ HK$152,394/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,113,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,767
−HK$4,309/mo
▼ 0.25% · 3.875%
HK$81,906
−HK$2,170/mo
Today · 4.125%
HK$84,076
baseline
▲ 0.50% · 4.625%
HK$88,508
+HK$4,432/mo
Deposit HK$10.48M · loan HK$15.72M · min. income ≈ HK$168,152/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,113,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,651
−HK$5,246/mo
▼ 0.25% · 3.875%
HK$86,253
−HK$2,644/mo
Today · 4.125%
HK$88,897
baseline
▲ 0.50% · 4.625%
HK$94,306
+HK$5,409/mo
Deposit HK$7.86M · loan HK$18.34M · min. income ≈ HK$177,794/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,113,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,061
−HK$5,028/mo
▼ 0.25% · 3.875%
HK$95,557
−HK$2,532/mo
Today · 4.125%
HK$98,089
baseline
▲ 0.50% · 4.625%
HK$103,260
+HK$5,171/mo
Deposit HK$7.86M · loan HK$18.34M · min. income ≈ HK$196,178/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,113,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,552
−HK$6,744/mo
▼ 0.25% · 3.875%
HK$110,897
−HK$3,399/mo
Today · 4.125%
HK$114,296
baseline
▲ 0.50% · 4.625%
HK$121,251
+HK$6,955/mo
Deposit HK$2.62M · loan HK$23.58M · min. income ≈ HK$228,592/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,113,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,650
−HK$6,465/mo
▼ 0.25% · 3.875%
HK$122,859
−HK$3,256/mo
Today · 4.125%
HK$126,115
baseline
▲ 0.50% · 4.625%
HK$132,762
+HK$6,647/mo
Deposit HK$2.62M · loan HK$23.58M · min. income ≈ HK$252,230/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,113,655 · Scale 2, in force from 26 Feb 2026)