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$59,540
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$61,392
−HK$1,881/mo
Today · 4.125%
HK$63,273
baseline
▲ 0.50% · 4.625%
HK$67,123
+HK$3,850/mo
Deposit HK$13.06M · loan HK$13.06M · min. income ≈ HK$126,546/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,109,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,237
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$68,014
−HK$1,802/mo
Today · 4.125%
HK$69,816
baseline
▲ 0.50% · 4.625%
HK$73,496
+HK$3,680/mo
Deposit HK$13.06M · loan HK$13.06M · min. income ≈ HK$139,632/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,109,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,447
−HK$4,481/mo
▼ 0.25% · 3.875%
HK$73,670
−HK$2,258/mo
Today · 4.125%
HK$75,928
baseline
▲ 0.50% · 4.625%
HK$80,548
+HK$4,620/mo
Deposit HK$10.44M · loan HK$15.67M · min. income ≈ HK$151,856/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,109,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,485
−HK$4,294/mo
▼ 0.25% · 3.875%
HK$81,616
−HK$2,163/mo
Today · 4.125%
HK$83,779
baseline
▲ 0.50% · 4.625%
HK$88,195
+HK$4,416/mo
Deposit HK$10.44M · loan HK$15.67M · min. income ≈ HK$167,558/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,109,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,355
−HK$5,227/mo
▼ 0.25% · 3.875%
HK$85,948
−HK$2,634/mo
Today · 4.125%
HK$88,582
baseline
▲ 0.50% · 4.625%
HK$93,972
+HK$5,390/mo
Deposit HK$7.83M · loan HK$18.28M · min. income ≈ HK$177,164/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,732
−HK$5,010/mo
▼ 0.25% · 3.875%
HK$95,219
−HK$2,523/mo
Today · 4.125%
HK$97,742
baseline
▲ 0.50% · 4.625%
HK$102,894
+HK$5,152/mo
Deposit HK$7.83M · loan HK$18.28M · min. income ≈ HK$195,484/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,171
−HK$6,721/mo
▼ 0.25% · 3.875%
HK$110,505
−HK$3,387/mo
Today · 4.125%
HK$113,892
baseline
▲ 0.50% · 4.625%
HK$120,822
+HK$6,930/mo
Deposit HK$2.61M · loan HK$23.50M · min. income ≈ HK$227,784/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,227
−HK$6,441/mo
▼ 0.25% · 3.875%
HK$122,424
−HK$3,244/mo
Today · 4.125%
HK$125,668
baseline
▲ 0.50% · 4.625%
HK$132,292
+HK$6,624/mo
Deposit HK$2.61M · loan HK$23.50M · min. income ≈ HK$251,336/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,713 · Scale 2, in force from 26 Feb 2026)