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$59,327
−HK$3,721/mo
▼ 0.25% · 3.875%
HK$61,173
−HK$1,875/mo
Today · 4.125%
HK$63,048
baseline
▲ 0.50% · 4.625%
HK$66,884
+HK$3,836/mo
Deposit HK$13.01M · loan HK$13.01M · min. income ≈ HK$126,096/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,105,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,001
−HK$3,566/mo
▼ 0.25% · 3.875%
HK$67,771
−HK$1,796/mo
Today · 4.125%
HK$69,567
baseline
▲ 0.50% · 4.625%
HK$73,234
+HK$3,667/mo
Deposit HK$13.01M · loan HK$13.01M · min. income ≈ HK$139,134/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,105,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,193
−HK$4,464/mo
▼ 0.25% · 3.875%
HK$73,407
−HK$2,250/mo
Today · 4.125%
HK$75,657
baseline
▲ 0.50% · 4.625%
HK$80,261
+HK$4,604/mo
Deposit HK$10.41M · loan HK$15.61M · min. income ≈ HK$151,314/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,105,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,201
−HK$4,279/mo
▼ 0.25% · 3.875%
HK$81,325
−HK$2,155/mo
Today · 4.125%
HK$83,480
baseline
▲ 0.50% · 4.625%
HK$87,880
+HK$4,400/mo
Deposit HK$10.41M · loan HK$15.61M · min. income ≈ HK$166,960/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,105,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,058
−HK$5,209/mo
▼ 0.25% · 3.875%
HK$85,642
−HK$2,625/mo
Today · 4.125%
HK$88,267
baseline
▲ 0.50% · 4.625%
HK$93,637
+HK$5,370/mo
Deposit HK$7.81M · loan HK$18.21M · min. income ≈ HK$176,534/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,105,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,401
−HK$4,992/mo
▼ 0.25% · 3.875%
HK$94,879
−HK$2,514/mo
Today · 4.125%
HK$97,393
baseline
▲ 0.50% · 4.625%
HK$102,527
+HK$5,134/mo
Deposit HK$7.81M · loan HK$18.21M · min. income ≈ HK$194,786/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,105,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,789
−HK$6,697/mo
▼ 0.25% · 3.875%
HK$110,111
−HK$3,375/mo
Today · 4.125%
HK$113,486
baseline
▲ 0.50% · 4.625%
HK$120,391
+HK$6,905/mo
Deposit HK$2.60M · loan HK$23.42M · min. income ≈ HK$226,972/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,105,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,802
−HK$6,418/mo
▼ 0.25% · 3.875%
HK$121,988
−HK$3,232/mo
Today · 4.125%
HK$125,220
baseline
▲ 0.50% · 4.625%
HK$131,821
+HK$6,601/mo
Deposit HK$2.60M · loan HK$23.42M · min. income ≈ HK$250,440/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,105,756 · Scale 2, in force from 26 Feb 2026)