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$59,760
−HK$3,747/mo
▼ 0.25% · 3.875%
HK$61,619
−HK$1,888/mo
Today · 4.125%
HK$63,507
baseline
▲ 0.50% · 4.625%
HK$67,371
+HK$3,864/mo
Deposit HK$13.10M · loan HK$13.10M · min. income ≈ HK$127,014/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,113,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,482
−HK$3,592/mo
▼ 0.25% · 3.875%
HK$68,265
−HK$1,809/mo
Today · 4.125%
HK$70,074
baseline
▲ 0.50% · 4.625%
HK$73,768
+HK$3,694/mo
Deposit HK$13.10M · loan HK$13.10M · min. income ≈ HK$140,148/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,113,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,712
−HK$4,497/mo
▼ 0.25% · 3.875%
HK$73,942
−HK$2,267/mo
Today · 4.125%
HK$76,209
baseline
▲ 0.50% · 4.625%
HK$80,846
+HK$4,637/mo
Deposit HK$10.48M · loan HK$15.72M · min. income ≈ HK$152,418/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,113,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,779
−HK$4,310/mo
▼ 0.25% · 3.875%
HK$81,918
−HK$2,171/mo
Today · 4.125%
HK$84,089
baseline
▲ 0.50% · 4.625%
HK$88,521
+HK$4,432/mo
Deposit HK$10.48M · loan HK$15.72M · min. income ≈ HK$168,178/mo (50% DSR)
Upfront cash ≈ HK$11.60M (deposit + AVD stamp duty HK$1,113,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,664
−HK$5,246/mo
▼ 0.25% · 3.875%
HK$86,266
−HK$2,644/mo
Today · 4.125%
HK$88,910
baseline
▲ 0.50% · 4.625%
HK$94,320
+HK$5,410/mo
Deposit HK$7.86M · loan HK$18.35M · min. income ≈ HK$177,820/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,113,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,075
−HK$5,029/mo
▼ 0.25% · 3.875%
HK$95,571
−HK$2,533/mo
Today · 4.125%
HK$98,104
baseline
▲ 0.50% · 4.625%
HK$103,275
+HK$5,171/mo
Deposit HK$7.86M · loan HK$18.35M · min. income ≈ HK$196,208/mo (50% DSR)
Upfront cash ≈ HK$8.98M (deposit + AVD stamp duty HK$1,113,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,568
−HK$6,745/mo
▼ 0.25% · 3.875%
HK$110,914
−HK$3,399/mo
Today · 4.125%
HK$114,313
baseline
▲ 0.50% · 4.625%
HK$121,269
+HK$6,956/mo
Deposit HK$2.62M · loan HK$23.59M · min. income ≈ HK$228,626/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,113,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,668
−HK$6,465/mo
▼ 0.25% · 3.875%
HK$122,877
−HK$3,256/mo
Today · 4.125%
HK$126,133
baseline
▲ 0.50% · 4.625%
HK$132,782
+HK$6,649/mo
Deposit HK$2.62M · loan HK$23.59M · min. income ≈ HK$252,266/mo (50% DSR)
Upfront cash ≈ HK$3.73M (deposit + AVD stamp duty HK$1,113,818 · Scale 2, in force from 26 Feb 2026)