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$59,865
−HK$3,754/mo
▼ 0.25% · 3.875%
HK$61,727
−HK$1,892/mo
Today · 4.125%
HK$63,619
baseline
▲ 0.50% · 4.625%
HK$67,490
+HK$3,871/mo
Deposit HK$13.13M · loan HK$13.13M · min. income ≈ HK$127,238/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,115,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,599
−HK$3,598/mo
▼ 0.25% · 3.875%
HK$68,385
−HK$1,812/mo
Today · 4.125%
HK$70,197
baseline
▲ 0.50% · 4.625%
HK$73,897
+HK$3,700/mo
Deposit HK$13.13M · loan HK$13.13M · min. income ≈ HK$140,394/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,115,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,838
−HK$4,505/mo
▼ 0.25% · 3.875%
HK$74,072
−HK$2,271/mo
Today · 4.125%
HK$76,343
baseline
▲ 0.50% · 4.625%
HK$80,988
+HK$4,645/mo
Deposit HK$10.50M · loan HK$15.75M · min. income ≈ HK$152,686/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,115,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,919
−HK$4,318/mo
▼ 0.25% · 3.875%
HK$82,062
−HK$2,175/mo
Today · 4.125%
HK$84,237
baseline
▲ 0.50% · 4.625%
HK$88,677
+HK$4,440/mo
Deposit HK$10.50M · loan HK$15.75M · min. income ≈ HK$168,474/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,115,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,811
−HK$5,256/mo
▼ 0.25% · 3.875%
HK$86,418
−HK$2,649/mo
Today · 4.125%
HK$89,067
baseline
▲ 0.50% · 4.625%
HK$94,486
+HK$5,419/mo
Deposit HK$7.88M · loan HK$18.38M · min. income ≈ HK$178,134/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,239
−HK$5,037/mo
▼ 0.25% · 3.875%
HK$95,739
−HK$2,537/mo
Today · 4.125%
HK$98,276
baseline
▲ 0.50% · 4.625%
HK$103,456
+HK$5,180/mo
Deposit HK$7.88M · loan HK$18.38M · min. income ≈ HK$196,552/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,757
−HK$6,757/mo
▼ 0.25% · 3.875%
HK$111,109
−HK$3,405/mo
Today · 4.125%
HK$114,514
baseline
▲ 0.50% · 4.625%
HK$121,482
+HK$6,968/mo
Deposit HK$2.63M · loan HK$23.63M · min. income ≈ HK$229,028/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,878
−HK$6,477/mo
▼ 0.25% · 3.875%
HK$123,093
−HK$3,262/mo
Today · 4.125%
HK$126,355
baseline
▲ 0.50% · 4.625%
HK$133,015
+HK$6,660/mo
Deposit HK$2.63M · loan HK$23.63M · min. income ≈ HK$252,710/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,778 · Scale 2, in force from 26 Feb 2026)