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$59,486
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$61,336
−HK$1,880/mo
Today · 4.125%
HK$63,216
baseline
▲ 0.50% · 4.625%
HK$67,063
+HK$3,847/mo
Deposit HK$13.04M · loan HK$13.04M · min. income ≈ HK$126,432/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,108,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,177
−HK$3,576/mo
▼ 0.25% · 3.875%
HK$67,952
−HK$1,801/mo
Today · 4.125%
HK$69,753
baseline
▲ 0.50% · 4.625%
HK$73,429
+HK$3,676/mo
Deposit HK$13.04M · loan HK$13.04M · min. income ≈ HK$139,506/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,108,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,383
−HK$4,476/mo
▼ 0.25% · 3.875%
HK$73,603
−HK$2,256/mo
Today · 4.125%
HK$75,859
baseline
▲ 0.50% · 4.625%
HK$80,475
+HK$4,616/mo
Deposit HK$10.43M · loan HK$15.65M · min. income ≈ HK$151,718/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,108,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,413
−HK$4,290/mo
▼ 0.25% · 3.875%
HK$81,543
−HK$2,160/mo
Today · 4.125%
HK$83,703
baseline
▲ 0.50% · 4.625%
HK$88,115
+HK$4,412/mo
Deposit HK$10.43M · loan HK$15.65M · min. income ≈ HK$167,406/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,108,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,280
−HK$5,223/mo
▼ 0.25% · 3.875%
HK$85,871
−HK$2,632/mo
Today · 4.125%
HK$88,503
baseline
▲ 0.50% · 4.625%
HK$93,888
+HK$5,385/mo
Deposit HK$7.83M · loan HK$18.26M · min. income ≈ HK$177,006/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,108,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,648
−HK$5,006/mo
▼ 0.25% · 3.875%
HK$95,133
−HK$2,521/mo
Today · 4.125%
HK$97,654
baseline
▲ 0.50% · 4.625%
HK$102,801
+HK$5,147/mo
Deposit HK$7.83M · loan HK$18.26M · min. income ≈ HK$195,308/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,108,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,074
−HK$6,715/mo
▼ 0.25% · 3.875%
HK$110,405
−HK$3,384/mo
Today · 4.125%
HK$113,789
baseline
▲ 0.50% · 4.625%
HK$120,713
+HK$6,924/mo
Deposit HK$2.61M · loan HK$23.48M · min. income ≈ HK$227,578/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,119
−HK$6,436/mo
▼ 0.25% · 3.875%
HK$122,314
−HK$3,241/mo
Today · 4.125%
HK$125,555
baseline
▲ 0.50% · 4.625%
HK$132,173
+HK$6,618/mo
Deposit HK$2.61M · loan HK$23.48M · min. income ≈ HK$251,110/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,712 · Scale 2, in force from 26 Feb 2026)