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$59,842
−HK$3,752/mo
▼ 0.25% · 3.875%
HK$61,703
−HK$1,891/mo
Today · 4.125%
HK$63,594
baseline
▲ 0.50% · 4.625%
HK$67,464
+HK$3,870/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$127,188/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,115,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,573
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$68,359
−HK$1,811/mo
Today · 4.125%
HK$70,170
baseline
▲ 0.50% · 4.625%
HK$73,869
+HK$3,699/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$140,340/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,115,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,810
−HK$4,503/mo
▼ 0.25% · 3.875%
HK$74,044
−HK$2,269/mo
Today · 4.125%
HK$76,313
baseline
▲ 0.50% · 4.625%
HK$80,956
+HK$4,643/mo
Deposit HK$10.50M · loan HK$15.75M · min. income ≈ HK$152,626/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,115,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,888
−HK$4,316/mo
▼ 0.25% · 3.875%
HK$82,030
−HK$2,174/mo
Today · 4.125%
HK$84,204
baseline
▲ 0.50% · 4.625%
HK$88,642
+HK$4,438/mo
Deposit HK$10.50M · loan HK$15.75M · min. income ≈ HK$168,408/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,115,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,778
−HK$5,254/mo
▼ 0.25% · 3.875%
HK$86,384
−HK$2,648/mo
Today · 4.125%
HK$89,032
baseline
▲ 0.50% · 4.625%
HK$94,449
+HK$5,417/mo
Deposit HK$7.87M · loan HK$18.37M · min. income ≈ HK$178,064/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,202
−HK$5,036/mo
▼ 0.25% · 3.875%
HK$95,702
−HK$2,536/mo
Today · 4.125%
HK$98,238
baseline
▲ 0.50% · 4.625%
HK$103,416
+HK$5,178/mo
Deposit HK$7.87M · loan HK$18.37M · min. income ≈ HK$196,476/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,715
−HK$6,754/mo
▼ 0.25% · 3.875%
HK$111,065
−HK$3,404/mo
Today · 4.125%
HK$114,469
baseline
▲ 0.50% · 4.625%
HK$121,435
+HK$6,966/mo
Deposit HK$2.62M · loan HK$23.62M · min. income ≈ HK$228,938/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,832
−HK$6,474/mo
▼ 0.25% · 3.875%
HK$123,045
−HK$3,261/mo
Today · 4.125%
HK$126,306
baseline
▲ 0.50% · 4.625%
HK$132,964
+HK$6,658/mo
Deposit HK$2.62M · loan HK$23.62M · min. income ≈ HK$252,612/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,343 · Scale 2, in force from 26 Feb 2026)