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$59,906
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$61,770
−HK$1,893/mo
Today · 4.125%
HK$63,663
baseline
▲ 0.50% · 4.625%
HK$67,537
+HK$3,874/mo
Deposit HK$13.14M · loan HK$13.14M · min. income ≈ HK$127,326/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,116,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,645
−HK$3,601/mo
▼ 0.25% · 3.875%
HK$68,433
−HK$1,813/mo
Today · 4.125%
HK$70,246
baseline
▲ 0.50% · 4.625%
HK$73,949
+HK$3,703/mo
Deposit HK$13.14M · loan HK$13.14M · min. income ≈ HK$140,492/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,116,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,888
−HK$4,508/mo
▼ 0.25% · 3.875%
HK$74,124
−HK$2,272/mo
Today · 4.125%
HK$76,396
baseline
▲ 0.50% · 4.625%
HK$81,044
+HK$4,648/mo
Deposit HK$10.51M · loan HK$15.76M · min. income ≈ HK$152,792/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,116,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,974
−HK$4,321/mo
▼ 0.25% · 3.875%
HK$82,119
−HK$2,176/mo
Today · 4.125%
HK$84,295
baseline
▲ 0.50% · 4.625%
HK$88,738
+HK$4,443/mo
Deposit HK$10.51M · loan HK$15.76M · min. income ≈ HK$168,590/mo (50% DSR)
Upfront cash ≈ HK$11.63M (deposit + AVD stamp duty HK$1,116,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,869
−HK$5,259/mo
▼ 0.25% · 3.875%
HK$86,478
−HK$2,650/mo
Today · 4.125%
HK$89,128
baseline
▲ 0.50% · 4.625%
HK$94,552
+HK$5,424/mo
Deposit HK$7.88M · loan HK$18.39M · min. income ≈ HK$178,256/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,116,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,303
−HK$5,041/mo
▼ 0.25% · 3.875%
HK$95,806
−HK$2,538/mo
Today · 4.125%
HK$98,344
baseline
▲ 0.50% · 4.625%
HK$103,528
+HK$5,184/mo
Deposit HK$7.88M · loan HK$18.39M · min. income ≈ HK$196,688/mo (50% DSR)
Upfront cash ≈ HK$9.00M (deposit + AVD stamp duty HK$1,116,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,832
−HK$6,762/mo
▼ 0.25% · 3.875%
HK$111,186
−HK$3,408/mo
Today · 4.125%
HK$114,594
baseline
▲ 0.50% · 4.625%
HK$121,566
+HK$6,972/mo
Deposit HK$2.63M · loan HK$23.64M · min. income ≈ HK$229,188/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,116,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,962
−HK$6,481/mo
▼ 0.25% · 3.875%
HK$123,179
−HK$3,264/mo
Today · 4.125%
HK$126,443
baseline
▲ 0.50% · 4.625%
HK$133,108
+HK$6,665/mo
Deposit HK$2.63M · loan HK$23.64M · min. income ≈ HK$252,886/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,116,552 · Scale 2, in force from 26 Feb 2026)