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$59,423
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$61,272
−HK$1,878/mo
Today · 4.125%
HK$63,150
baseline
▲ 0.50% · 4.625%
HK$66,992
+HK$3,842/mo
Deposit HK$13.03M · loan HK$13.03M · min. income ≈ HK$126,300/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,107,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,108
−HK$3,571/mo
▼ 0.25% · 3.875%
HK$67,881
−HK$1,798/mo
Today · 4.125%
HK$69,679
baseline
▲ 0.50% · 4.625%
HK$73,352
+HK$3,673/mo
Deposit HK$13.03M · loan HK$13.03M · min. income ≈ HK$139,358/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,107,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,308
−HK$4,472/mo
▼ 0.25% · 3.875%
HK$73,526
−HK$2,254/mo
Today · 4.125%
HK$75,780
baseline
▲ 0.50% · 4.625%
HK$80,391
+HK$4,611/mo
Deposit HK$10.42M · loan HK$15.64M · min. income ≈ HK$151,560/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,329
−HK$4,286/mo
▼ 0.25% · 3.875%
HK$81,457
−HK$2,158/mo
Today · 4.125%
HK$83,615
baseline
▲ 0.50% · 4.625%
HK$88,023
+HK$4,408/mo
Deposit HK$10.42M · loan HK$15.64M · min. income ≈ HK$167,230/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,193
−HK$5,217/mo
▼ 0.25% · 3.875%
HK$85,780
−HK$2,630/mo
Today · 4.125%
HK$88,410
baseline
▲ 0.50% · 4.625%
HK$93,789
+HK$5,379/mo
Deposit HK$7.82M · loan HK$18.24M · min. income ≈ HK$176,820/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,107,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,551
−HK$5,000/mo
▼ 0.25% · 3.875%
HK$95,033
−HK$2,518/mo
Today · 4.125%
HK$97,551
baseline
▲ 0.50% · 4.625%
HK$102,693
+HK$5,142/mo
Deposit HK$7.82M · loan HK$18.24M · min. income ≈ HK$195,102/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,107,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,962
−HK$6,707/mo
▼ 0.25% · 3.875%
HK$110,289
−HK$3,380/mo
Today · 4.125%
HK$113,669
baseline
▲ 0.50% · 4.625%
HK$120,586
+HK$6,917/mo
Deposit HK$2.61M · loan HK$23.45M · min. income ≈ HK$227,338/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,994
−HK$6,429/mo
▼ 0.25% · 3.875%
HK$122,186
−HK$3,237/mo
Today · 4.125%
HK$125,423
baseline
▲ 0.50% · 4.625%
HK$132,034
+HK$6,611/mo
Deposit HK$2.61M · loan HK$23.45M · min. income ≈ HK$250,846/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,548 · Scale 2, in force from 26 Feb 2026)