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$60,046
−HK$3,766/mo
▼ 0.25% · 3.875%
HK$61,914
−HK$1,898/mo
Today · 4.125%
HK$63,812
baseline
▲ 0.50% · 4.625%
HK$67,694
+HK$3,882/mo
Deposit HK$13.17M · loan HK$13.17M · min. income ≈ HK$127,624/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,119,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,801
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$68,592
−HK$1,818/mo
Today · 4.125%
HK$70,410
baseline
▲ 0.50% · 4.625%
HK$74,121
+HK$3,711/mo
Deposit HK$13.17M · loan HK$13.17M · min. income ≈ HK$140,820/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,119,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,055
−HK$4,519/mo
▼ 0.25% · 3.875%
HK$74,297
−HK$2,277/mo
Today · 4.125%
HK$76,574
baseline
▲ 0.50% · 4.625%
HK$81,233
+HK$4,659/mo
Deposit HK$10.53M · loan HK$15.80M · min. income ≈ HK$153,148/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,119,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,161
−HK$4,331/mo
▼ 0.25% · 3.875%
HK$82,311
−HK$2,181/mo
Today · 4.125%
HK$84,492
baseline
▲ 0.50% · 4.625%
HK$88,946
+HK$4,454/mo
Deposit HK$10.53M · loan HK$15.80M · min. income ≈ HK$168,984/mo (50% DSR)
Upfront cash ≈ HK$11.65M (deposit + AVD stamp duty HK$1,119,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,065
−HK$5,271/mo
▼ 0.25% · 3.875%
HK$86,680
−HK$2,656/mo
Today · 4.125%
HK$89,336
baseline
▲ 0.50% · 4.625%
HK$94,772
+HK$5,436/mo
Deposit HK$7.90M · loan HK$18.43M · min. income ≈ HK$178,672/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,119,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,521
−HK$5,053/mo
▼ 0.25% · 3.875%
HK$96,029
−HK$2,545/mo
Today · 4.125%
HK$98,574
baseline
▲ 0.50% · 4.625%
HK$103,770
+HK$5,196/mo
Deposit HK$7.90M · loan HK$18.43M · min. income ≈ HK$197,148/mo (50% DSR)
Upfront cash ≈ HK$9.02M (deposit + AVD stamp duty HK$1,119,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,083
−HK$6,778/mo
▼ 0.25% · 3.875%
HK$111,445
−HK$3,416/mo
Today · 4.125%
HK$114,861
baseline
▲ 0.50% · 4.625%
HK$121,850
+HK$6,989/mo
Deposit HK$2.63M · loan HK$23.70M · min. income ≈ HK$229,722/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,119,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,241
−HK$6,497/mo
▼ 0.25% · 3.875%
HK$123,466
−HK$3,272/mo
Today · 4.125%
HK$126,738
baseline
▲ 0.50% · 4.625%
HK$133,418
+HK$6,680/mo
Deposit HK$2.63M · loan HK$23.70M · min. income ≈ HK$253,476/mo (50% DSR)
Upfront cash ≈ HK$3.75M (deposit + AVD stamp duty HK$1,119,157 · Scale 2, in force from 26 Feb 2026)