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$59,571
−HK$3,735/mo
▼ 0.25% · 3.875%
HK$61,424
−HK$1,882/mo
Today · 4.125%
HK$63,306
baseline
▲ 0.50% · 4.625%
HK$67,158
+HK$3,852/mo
Deposit HK$13.06M · loan HK$13.06M · min. income ≈ HK$126,612/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,110,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,272
−HK$3,580/mo
▼ 0.25% · 3.875%
HK$68,049
−HK$1,803/mo
Today · 4.125%
HK$69,852
baseline
▲ 0.50% · 4.625%
HK$73,534
+HK$3,682/mo
Deposit HK$13.06M · loan HK$13.06M · min. income ≈ HK$139,704/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,110,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,485
−HK$4,483/mo
▼ 0.25% · 3.875%
HK$73,708
−HK$2,260/mo
Today · 4.125%
HK$75,968
baseline
▲ 0.50% · 4.625%
HK$80,590
+HK$4,622/mo
Deposit HK$10.45M · loan HK$15.67M · min. income ≈ HK$151,936/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,110,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,526
−HK$4,297/mo
▼ 0.25% · 3.875%
HK$81,659
−HK$2,164/mo
Today · 4.125%
HK$83,823
baseline
▲ 0.50% · 4.625%
HK$88,241
+HK$4,418/mo
Deposit HK$10.45M · loan HK$15.67M · min. income ≈ HK$167,646/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,110,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,399
−HK$5,230/mo
▼ 0.25% · 3.875%
HK$85,993
−HK$2,636/mo
Today · 4.125%
HK$88,629
baseline
▲ 0.50% · 4.625%
HK$94,022
+HK$5,393/mo
Deposit HK$7.84M · loan HK$18.29M · min. income ≈ HK$177,258/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,781
−HK$5,012/mo
▼ 0.25% · 3.875%
HK$95,269
−HK$2,524/mo
Today · 4.125%
HK$97,793
baseline
▲ 0.50% · 4.625%
HK$102,948
+HK$5,155/mo
Deposit HK$7.84M · loan HK$18.29M · min. income ≈ HK$195,586/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$1,110,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,227
−HK$6,724/mo
▼ 0.25% · 3.875%
HK$110,563
−HK$3,388/mo
Today · 4.125%
HK$113,951
baseline
▲ 0.50% · 4.625%
HK$120,885
+HK$6,934/mo
Deposit HK$2.61M · loan HK$23.51M · min. income ≈ HK$227,902/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,289
−HK$6,445/mo
▼ 0.25% · 3.875%
HK$122,489
−HK$3,245/mo
Today · 4.125%
HK$125,734
baseline
▲ 0.50% · 4.625%
HK$132,362
+HK$6,628/mo
Deposit HK$2.61M · loan HK$23.51M · min. income ≈ HK$251,468/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,110,295 · Scale 2, in force from 26 Feb 2026)