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$59,433
−HK$3,726/mo
▼ 0.25% · 3.875%
HK$61,281
−HK$1,878/mo
Today · 4.125%
HK$63,159
baseline
▲ 0.50% · 4.625%
HK$67,003
+HK$3,844/mo
Deposit HK$13.03M · loan HK$13.03M · min. income ≈ HK$126,318/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,107,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,118
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$67,891
−HK$1,799/mo
Today · 4.125%
HK$69,690
baseline
▲ 0.50% · 4.625%
HK$73,364
+HK$3,674/mo
Deposit HK$13.03M · loan HK$13.03M · min. income ≈ HK$139,380/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,107,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,319
−HK$4,472/mo
▼ 0.25% · 3.875%
HK$73,537
−HK$2,254/mo
Today · 4.125%
HK$75,791
baseline
▲ 0.50% · 4.625%
HK$80,403
+HK$4,612/mo
Deposit HK$10.43M · loan HK$15.64M · min. income ≈ HK$151,582/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,342
−HK$4,286/mo
▼ 0.25% · 3.875%
HK$81,470
−HK$2,158/mo
Today · 4.125%
HK$83,628
baseline
▲ 0.50% · 4.625%
HK$88,036
+HK$4,408/mo
Deposit HK$10.43M · loan HK$15.64M · min. income ≈ HK$167,256/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,206
−HK$5,217/mo
▼ 0.25% · 3.875%
HK$85,794
−HK$2,629/mo
Today · 4.125%
HK$88,423
baseline
▲ 0.50% · 4.625%
HK$93,804
+HK$5,381/mo
Deposit HK$7.82M · loan HK$18.24M · min. income ≈ HK$176,846/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,107,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,565
−HK$5,001/mo
▼ 0.25% · 3.875%
HK$95,048
−HK$2,518/mo
Today · 4.125%
HK$97,566
baseline
▲ 0.50% · 4.625%
HK$102,709
+HK$5,143/mo
Deposit HK$7.82M · loan HK$18.24M · min. income ≈ HK$195,132/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,107,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,979
−HK$6,708/mo
▼ 0.25% · 3.875%
HK$110,306
−HK$3,381/mo
Today · 4.125%
HK$113,687
baseline
▲ 0.50% · 4.625%
HK$120,605
+HK$6,918/mo
Deposit HK$2.61M · loan HK$23.46M · min. income ≈ HK$227,374/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,013
−HK$6,429/mo
▼ 0.25% · 3.875%
HK$122,204
−HK$3,238/mo
Today · 4.125%
HK$125,442
baseline
▲ 0.50% · 4.625%
HK$132,055
+HK$6,613/mo
Deposit HK$2.61M · loan HK$23.46M · min. income ≈ HK$250,884/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,719 · Scale 2, in force from 26 Feb 2026)