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$59,518
−HK$3,732/mo
▼ 0.25% · 3.875%
HK$61,369
−HK$1,881/mo
Today · 4.125%
HK$63,250
baseline
▲ 0.50% · 4.625%
HK$67,099
+HK$3,849/mo
Deposit HK$13.05M · loan HK$13.05M · min. income ≈ HK$126,500/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,109,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,213
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$67,989
−HK$1,801/mo
Today · 4.125%
HK$69,790
baseline
▲ 0.50% · 4.625%
HK$73,469
+HK$3,679/mo
Deposit HK$13.05M · loan HK$13.05M · min. income ≈ HK$139,580/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,109,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,421
−HK$4,479/mo
▼ 0.25% · 3.875%
HK$73,643
−HK$2,257/mo
Today · 4.125%
HK$75,900
baseline
▲ 0.50% · 4.625%
HK$80,518
+HK$4,618/mo
Deposit HK$10.44M · loan HK$15.66M · min. income ≈ HK$151,800/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,109,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,455
−HK$4,293/mo
▼ 0.25% · 3.875%
HK$81,586
−HK$2,162/mo
Today · 4.125%
HK$83,748
baseline
▲ 0.50% · 4.625%
HK$88,163
+HK$4,415/mo
Deposit HK$10.44M · loan HK$15.66M · min. income ≈ HK$167,496/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,109,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,325
−HK$5,225/mo
▼ 0.25% · 3.875%
HK$85,917
−HK$2,633/mo
Today · 4.125%
HK$88,550
baseline
▲ 0.50% · 4.625%
HK$93,938
+HK$5,388/mo
Deposit HK$7.83M · loan HK$18.27M · min. income ≈ HK$177,100/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,698
−HK$5,008/mo
▼ 0.25% · 3.875%
HK$95,184
−HK$2,522/mo
Today · 4.125%
HK$97,706
baseline
▲ 0.50% · 4.625%
HK$102,856
+HK$5,150/mo
Deposit HK$7.83M · loan HK$18.27M · min. income ≈ HK$195,412/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,132
−HK$6,718/mo
▼ 0.25% · 3.875%
HK$110,464
−HK$3,386/mo
Today · 4.125%
HK$113,850
baseline
▲ 0.50% · 4.625%
HK$120,777
+HK$6,927/mo
Deposit HK$2.61M · loan HK$23.49M · min. income ≈ HK$227,700/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,183
−HK$6,439/mo
▼ 0.25% · 3.875%
HK$122,380
−HK$3,242/mo
Today · 4.125%
HK$125,622
baseline
▲ 0.50% · 4.625%
HK$132,244
+HK$6,622/mo
Deposit HK$2.61M · loan HK$23.49M · min. income ≈ HK$251,244/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,306 · Scale 2, in force from 26 Feb 2026)