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$59,784
−HK$3,749/mo
▼ 0.25% · 3.875%
HK$61,644
−HK$1,889/mo
Today · 4.125%
HK$63,533
baseline
▲ 0.50% · 4.625%
HK$67,399
+HK$3,866/mo
Deposit HK$13.11M · loan HK$13.11M · min. income ≈ HK$127,066/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,114,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,509
−HK$3,593/mo
▼ 0.25% · 3.875%
HK$68,293
−HK$1,809/mo
Today · 4.125%
HK$70,102
baseline
▲ 0.50% · 4.625%
HK$73,798
+HK$3,696/mo
Deposit HK$13.11M · loan HK$13.11M · min. income ≈ HK$140,204/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,114,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,741
−HK$4,499/mo
▼ 0.25% · 3.875%
HK$73,972
−HK$2,268/mo
Today · 4.125%
HK$76,240
baseline
▲ 0.50% · 4.625%
HK$80,879
+HK$4,639/mo
Deposit HK$10.49M · loan HK$15.73M · min. income ≈ HK$152,480/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,114,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,811
−HK$4,312/mo
▼ 0.25% · 3.875%
HK$81,951
−HK$2,172/mo
Today · 4.125%
HK$84,123
baseline
▲ 0.50% · 4.625%
HK$88,557
+HK$4,434/mo
Deposit HK$10.49M · loan HK$15.73M · min. income ≈ HK$168,246/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,114,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,698
−HK$5,248/mo
▼ 0.25% · 3.875%
HK$86,301
−HK$2,645/mo
Today · 4.125%
HK$88,946
baseline
▲ 0.50% · 4.625%
HK$94,358
+HK$5,412/mo
Deposit HK$7.87M · loan HK$18.35M · min. income ≈ HK$177,892/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,114,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,113
−HK$5,030/mo
▼ 0.25% · 3.875%
HK$95,610
−HK$2,533/mo
Today · 4.125%
HK$98,143
baseline
▲ 0.50% · 4.625%
HK$103,317
+HK$5,174/mo
Deposit HK$7.87M · loan HK$18.35M · min. income ≈ HK$196,286/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,114,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,611
−HK$6,748/mo
▼ 0.25% · 3.875%
HK$110,959
−HK$3,400/mo
Today · 4.125%
HK$114,359
baseline
▲ 0.50% · 4.625%
HK$121,318
+HK$6,959/mo
Deposit HK$2.62M · loan HK$23.60M · min. income ≈ HK$228,718/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,716
−HK$6,468/mo
▼ 0.25% · 3.875%
HK$122,927
−HK$3,257/mo
Today · 4.125%
HK$126,184
baseline
▲ 0.50% · 4.625%
HK$132,836
+HK$6,652/mo
Deposit HK$2.62M · loan HK$23.60M · min. income ≈ HK$252,368/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,114,271 · Scale 2, in force from 26 Feb 2026)