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$59,828
−HK$3,752/mo
▼ 0.25% · 3.875%
HK$61,689
−HK$1,891/mo
Today · 4.125%
HK$63,580
baseline
▲ 0.50% · 4.625%
HK$67,448
+HK$3,868/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$127,160/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,115,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,558
−HK$3,596/mo
▼ 0.25% · 3.875%
HK$68,343
−HK$1,811/mo
Today · 4.125%
HK$70,154
baseline
▲ 0.50% · 4.625%
HK$73,852
+HK$3,698/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$140,308/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,115,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,793
−HK$4,502/mo
▼ 0.25% · 3.875%
HK$74,027
−HK$2,268/mo
Today · 4.125%
HK$76,295
baseline
▲ 0.50% · 4.625%
HK$80,938
+HK$4,643/mo
Deposit HK$10.49M · loan HK$15.74M · min. income ≈ HK$152,590/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,115,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,869
−HK$4,316/mo
▼ 0.25% · 3.875%
HK$82,011
−HK$2,174/mo
Today · 4.125%
HK$84,185
baseline
▲ 0.50% · 4.625%
HK$88,622
+HK$4,437/mo
Deposit HK$10.49M · loan HK$15.74M · min. income ≈ HK$168,370/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,115,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,759
−HK$5,252/mo
▼ 0.25% · 3.875%
HK$86,364
−HK$2,647/mo
Today · 4.125%
HK$89,011
baseline
▲ 0.50% · 4.625%
HK$94,428
+HK$5,417/mo
Deposit HK$7.87M · loan HK$18.37M · min. income ≈ HK$178,022/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,181
−HK$5,034/mo
▼ 0.25% · 3.875%
HK$95,680
−HK$2,535/mo
Today · 4.125%
HK$98,215
baseline
▲ 0.50% · 4.625%
HK$103,392
+HK$5,177/mo
Deposit HK$7.87M · loan HK$18.37M · min. income ≈ HK$196,430/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,690
−HK$6,753/mo
▼ 0.25% · 3.875%
HK$111,040
−HK$3,403/mo
Today · 4.125%
HK$114,443
baseline
▲ 0.50% · 4.625%
HK$121,407
+HK$6,964/mo
Deposit HK$2.62M · loan HK$23.61M · min. income ≈ HK$228,886/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,804
−HK$6,473/mo
▼ 0.25% · 3.875%
HK$123,017
−HK$3,260/mo
Today · 4.125%
HK$126,277
baseline
▲ 0.50% · 4.625%
HK$132,933
+HK$6,656/mo
Deposit HK$2.62M · loan HK$23.61M · min. income ≈ HK$252,554/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,087 · Scale 2, in force from 26 Feb 2026)