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$59,734
−HK$3,746/mo
▼ 0.25% · 3.875%
HK$61,592
−HK$1,888/mo
Today · 4.125%
HK$63,480
baseline
▲ 0.50% · 4.625%
HK$67,342
+HK$3,862/mo
Deposit HK$13.10M · loan HK$13.10M · min. income ≈ HK$126,960/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,113,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,454
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$68,236
−HK$1,808/mo
Today · 4.125%
HK$70,044
baseline
▲ 0.50% · 4.625%
HK$73,736
+HK$3,692/mo
Deposit HK$13.10M · loan HK$13.10M · min. income ≈ HK$140,088/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,113,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,681
−HK$4,495/mo
▼ 0.25% · 3.875%
HK$73,911
−HK$2,265/mo
Today · 4.125%
HK$76,176
baseline
▲ 0.50% · 4.625%
HK$80,811
+HK$4,635/mo
Deposit HK$10.48M · loan HK$15.72M · min. income ≈ HK$152,352/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,113,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,744
−HK$4,309/mo
▼ 0.25% · 3.875%
HK$81,883
−HK$2,170/mo
Today · 4.125%
HK$84,053
baseline
▲ 0.50% · 4.625%
HK$88,483
+HK$4,430/mo
Deposit HK$10.48M · loan HK$15.72M · min. income ≈ HK$168,106/mo (50% DSR)
Upfront cash ≈ HK$11.59M (deposit + AVD stamp duty HK$1,113,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,628
−HK$5,244/mo
▼ 0.25% · 3.875%
HK$86,229
−HK$2,643/mo
Today · 4.125%
HK$88,872
baseline
▲ 0.50% · 4.625%
HK$94,279
+HK$5,407/mo
Deposit HK$7.86M · loan HK$18.34M · min. income ≈ HK$177,744/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,113,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,035
−HK$5,026/mo
▼ 0.25% · 3.875%
HK$95,530
−HK$2,531/mo
Today · 4.125%
HK$98,061
baseline
▲ 0.50% · 4.625%
HK$103,230
+HK$5,169/mo
Deposit HK$7.86M · loan HK$18.34M · min. income ≈ HK$196,122/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$1,113,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,521
−HK$6,743/mo
▼ 0.25% · 3.875%
HK$110,866
−HK$3,398/mo
Today · 4.125%
HK$114,264
baseline
▲ 0.50% · 4.625%
HK$121,216
+HK$6,952/mo
Deposit HK$2.62M · loan HK$23.58M · min. income ≈ HK$228,528/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,113,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,616
−HK$6,463/mo
▼ 0.25% · 3.875%
HK$122,824
−HK$3,255/mo
Today · 4.125%
HK$126,079
baseline
▲ 0.50% · 4.625%
HK$132,725
+HK$6,646/mo
Deposit HK$2.62M · loan HK$23.58M · min. income ≈ HK$252,158/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,113,339 · Scale 2, in force from 26 Feb 2026)