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$59,889
−HK$3,755/mo
▼ 0.25% · 3.875%
HK$61,752
−HK$1,892/mo
Today · 4.125%
HK$63,644
baseline
▲ 0.50% · 4.625%
HK$67,517
+HK$3,873/mo
Deposit HK$13.13M · loan HK$13.13M · min. income ≈ HK$127,288/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,116,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,626
−HK$3,599/mo
▼ 0.25% · 3.875%
HK$68,413
−HK$1,812/mo
Today · 4.125%
HK$70,225
baseline
▲ 0.50% · 4.625%
HK$73,927
+HK$3,702/mo
Deposit HK$13.13M · loan HK$13.13M · min. income ≈ HK$140,450/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,116,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,867
−HK$4,506/mo
▼ 0.25% · 3.875%
HK$74,102
−HK$2,271/mo
Today · 4.125%
HK$76,373
baseline
▲ 0.50% · 4.625%
HK$81,021
+HK$4,648/mo
Deposit HK$10.51M · loan HK$15.76M · min. income ≈ HK$152,746/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,116,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,951
−HK$4,319/mo
▼ 0.25% · 3.875%
HK$82,095
−HK$2,175/mo
Today · 4.125%
HK$84,270
baseline
▲ 0.50% · 4.625%
HK$88,713
+HK$4,443/mo
Deposit HK$10.51M · loan HK$15.76M · min. income ≈ HK$168,540/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$1,116,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,844
−HK$5,258/mo
▼ 0.25% · 3.875%
HK$86,453
−HK$2,649/mo
Today · 4.125%
HK$89,102
baseline
▲ 0.50% · 4.625%
HK$94,524
+HK$5,422/mo
Deposit HK$7.88M · loan HK$18.38M · min. income ≈ HK$178,204/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,116,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,276
−HK$5,040/mo
▼ 0.25% · 3.875%
HK$95,778
−HK$2,538/mo
Today · 4.125%
HK$98,316
baseline
▲ 0.50% · 4.625%
HK$103,498
+HK$5,182/mo
Deposit HK$7.88M · loan HK$18.38M · min. income ≈ HK$196,632/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,116,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,800
−HK$6,760/mo
▼ 0.25% · 3.875%
HK$111,153
−HK$3,407/mo
Today · 4.125%
HK$114,560
baseline
▲ 0.50% · 4.625%
HK$121,531
+HK$6,971/mo
Deposit HK$2.63M · loan HK$23.64M · min. income ≈ HK$229,120/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,116,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,926
−HK$6,480/mo
▼ 0.25% · 3.875%
HK$123,143
−HK$3,263/mo
Today · 4.125%
HK$126,406
baseline
▲ 0.50% · 4.625%
HK$133,069
+HK$6,663/mo
Deposit HK$2.63M · loan HK$23.64M · min. income ≈ HK$252,812/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,116,225 · Scale 2, in force from 26 Feb 2026)