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$59,492
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$61,342
−HK$1,880/mo
Today · 4.125%
HK$63,222
baseline
▲ 0.50% · 4.625%
HK$67,069
+HK$3,847/mo
Deposit HK$13.04M · loan HK$13.04M · min. income ≈ HK$126,444/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,108,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,184
−HK$3,575/mo
▼ 0.25% · 3.875%
HK$67,959
−HK$1,800/mo
Today · 4.125%
HK$69,759
baseline
▲ 0.50% · 4.625%
HK$73,437
+HK$3,678/mo
Deposit HK$13.04M · loan HK$13.04M · min. income ≈ HK$139,518/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,108,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,390
−HK$4,477/mo
▼ 0.25% · 3.875%
HK$73,611
−HK$2,256/mo
Today · 4.125%
HK$75,867
baseline
▲ 0.50% · 4.625%
HK$80,483
+HK$4,616/mo
Deposit HK$10.44M · loan HK$15.65M · min. income ≈ HK$151,734/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,108,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,421
−HK$4,290/mo
▼ 0.25% · 3.875%
HK$81,551
−HK$2,160/mo
Today · 4.125%
HK$83,711
baseline
▲ 0.50% · 4.625%
HK$88,124
+HK$4,413/mo
Deposit HK$10.44M · loan HK$15.65M · min. income ≈ HK$167,422/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,108,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,288
−HK$5,223/mo
▼ 0.25% · 3.875%
HK$85,879
−HK$2,632/mo
Today · 4.125%
HK$88,511
baseline
▲ 0.50% · 4.625%
HK$93,897
+HK$5,386/mo
Deposit HK$7.83M · loan HK$18.26M · min. income ≈ HK$177,022/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,108,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,657
−HK$5,006/mo
▼ 0.25% · 3.875%
HK$95,142
−HK$2,521/mo
Today · 4.125%
HK$97,663
baseline
▲ 0.50% · 4.625%
HK$102,811
+HK$5,148/mo
Deposit HK$7.83M · loan HK$18.26M · min. income ≈ HK$195,326/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,108,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,085
−HK$6,715/mo
▼ 0.25% · 3.875%
HK$110,416
−HK$3,384/mo
Today · 4.125%
HK$113,800
baseline
▲ 0.50% · 4.625%
HK$120,724
+HK$6,924/mo
Deposit HK$2.61M · loan HK$23.48M · min. income ≈ HK$227,600/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,131
−HK$6,436/mo
▼ 0.25% · 3.875%
HK$122,326
−HK$3,241/mo
Today · 4.125%
HK$125,567
baseline
▲ 0.50% · 4.625%
HK$132,186
+HK$6,619/mo
Deposit HK$2.61M · loan HK$23.48M · min. income ≈ HK$251,134/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,820 · Scale 2, in force from 26 Feb 2026)