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$59,841
−HK$3,752/mo
▼ 0.25% · 3.875%
HK$61,702
−HK$1,891/mo
Today · 4.125%
HK$63,593
baseline
▲ 0.50% · 4.625%
HK$67,463
+HK$3,870/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$127,186/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,115,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,572
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$68,357
−HK$1,812/mo
Today · 4.125%
HK$70,169
baseline
▲ 0.50% · 4.625%
HK$73,867
+HK$3,698/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$140,338/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,115,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,809
−HK$4,503/mo
▼ 0.25% · 3.875%
HK$74,042
−HK$2,270/mo
Today · 4.125%
HK$76,312
baseline
▲ 0.50% · 4.625%
HK$80,955
+HK$4,643/mo
Deposit HK$10.50M · loan HK$15.75M · min. income ≈ HK$152,624/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,115,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,886
−HK$4,316/mo
▼ 0.25% · 3.875%
HK$82,029
−HK$2,173/mo
Today · 4.125%
HK$84,202
baseline
▲ 0.50% · 4.625%
HK$88,641
+HK$4,439/mo
Deposit HK$10.50M · loan HK$15.75M · min. income ≈ HK$168,404/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,115,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,777
−HK$5,253/mo
▼ 0.25% · 3.875%
HK$86,383
−HK$2,647/mo
Today · 4.125%
HK$89,030
baseline
▲ 0.50% · 4.625%
HK$94,448
+HK$5,418/mo
Deposit HK$7.87M · loan HK$18.37M · min. income ≈ HK$178,060/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,201
−HK$5,035/mo
▼ 0.25% · 3.875%
HK$95,700
−HK$2,536/mo
Today · 4.125%
HK$98,236
baseline
▲ 0.50% · 4.625%
HK$103,414
+HK$5,178/mo
Deposit HK$7.87M · loan HK$18.37M · min. income ≈ HK$196,472/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,713
−HK$6,755/mo
▼ 0.25% · 3.875%
HK$111,064
−HK$3,404/mo
Today · 4.125%
HK$114,468
baseline
▲ 0.50% · 4.625%
HK$121,433
+HK$6,965/mo
Deposit HK$2.62M · loan HK$23.62M · min. income ≈ HK$228,936/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,830
−HK$6,474/mo
▼ 0.25% · 3.875%
HK$123,043
−HK$3,261/mo
Today · 4.125%
HK$126,304
baseline
▲ 0.50% · 4.625%
HK$132,961
+HK$6,657/mo
Deposit HK$2.62M · loan HK$23.62M · min. income ≈ HK$252,608/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,325 · Scale 2, in force from 26 Feb 2026)