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$59,457
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$61,307
−HK$1,879/mo
Today · 4.125%
HK$63,186
baseline
▲ 0.50% · 4.625%
HK$67,031
+HK$3,845/mo
Deposit HK$13.04M · loan HK$13.04M · min. income ≈ HK$126,372/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,108,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,146
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$67,920
−HK$1,799/mo
Today · 4.125%
HK$69,719
baseline
▲ 0.50% · 4.625%
HK$73,394
+HK$3,675/mo
Deposit HK$13.04M · loan HK$13.04M · min. income ≈ HK$139,438/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,108,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,349
−HK$4,474/mo
▼ 0.25% · 3.875%
HK$73,568
−HK$2,255/mo
Today · 4.125%
HK$75,823
baseline
▲ 0.50% · 4.625%
HK$80,437
+HK$4,614/mo
Deposit HK$10.43M · loan HK$15.64M · min. income ≈ HK$151,646/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,108,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,375
−HK$4,288/mo
▼ 0.25% · 3.875%
HK$81,504
−HK$2,159/mo
Today · 4.125%
HK$83,663
baseline
▲ 0.50% · 4.625%
HK$88,073
+HK$4,410/mo
Deposit HK$10.43M · loan HK$15.64M · min. income ≈ HK$167,326/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,108,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,240
−HK$5,220/mo
▼ 0.25% · 3.875%
HK$85,830
−HK$2,630/mo
Today · 4.125%
HK$88,460
baseline
▲ 0.50% · 4.625%
HK$93,843
+HK$5,383/mo
Deposit HK$7.82M · loan HK$18.25M · min. income ≈ HK$176,920/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,108,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,604
−HK$5,003/mo
▼ 0.25% · 3.875%
HK$95,088
−HK$2,519/mo
Today · 4.125%
HK$97,607
baseline
▲ 0.50% · 4.625%
HK$102,752
+HK$5,145/mo
Deposit HK$7.82M · loan HK$18.25M · min. income ≈ HK$195,214/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,108,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,023
−HK$6,712/mo
▼ 0.25% · 3.875%
HK$110,352
−HK$3,383/mo
Today · 4.125%
HK$113,735
baseline
▲ 0.50% · 4.625%
HK$120,655
+HK$6,920/mo
Deposit HK$2.61M · loan HK$23.47M · min. income ≈ HK$227,470/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,062
−HK$6,433/mo
▼ 0.25% · 3.875%
HK$122,256
−HK$3,239/mo
Today · 4.125%
HK$125,495
baseline
▲ 0.50% · 4.625%
HK$132,110
+HK$6,615/mo
Deposit HK$2.61M · loan HK$23.47M · min. income ≈ HK$250,990/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,184 · Scale 2, in force from 26 Feb 2026)