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$59,355
−HK$3,722/mo
▼ 0.25% · 3.875%
HK$61,201
−HK$1,876/mo
Today · 4.125%
HK$63,077
baseline
▲ 0.50% · 4.625%
HK$66,915
+HK$3,838/mo
Deposit HK$13.01M · loan HK$13.01M · min. income ≈ HK$126,154/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,106,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,031
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$67,802
−HK$1,797/mo
Today · 4.125%
HK$69,599
baseline
▲ 0.50% · 4.625%
HK$73,268
+HK$3,669/mo
Deposit HK$13.01M · loan HK$13.01M · min. income ≈ HK$139,198/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,106,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,226
−HK$4,466/mo
▼ 0.25% · 3.875%
HK$73,441
−HK$2,251/mo
Today · 4.125%
HK$75,692
baseline
▲ 0.50% · 4.625%
HK$80,298
+HK$4,606/mo
Deposit HK$10.41M · loan HK$15.62M · min. income ≈ HK$151,384/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,106,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,238
−HK$4,281/mo
▼ 0.25% · 3.875%
HK$81,363
−HK$2,156/mo
Today · 4.125%
HK$83,519
baseline
▲ 0.50% · 4.625%
HK$87,921
+HK$4,402/mo
Deposit HK$10.41M · loan HK$15.62M · min. income ≈ HK$167,038/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,106,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,097
−HK$5,210/mo
▼ 0.25% · 3.875%
HK$85,681
−HK$2,626/mo
Today · 4.125%
HK$88,307
baseline
▲ 0.50% · 4.625%
HK$93,681
+HK$5,374/mo
Deposit HK$7.81M · loan HK$18.22M · min. income ≈ HK$176,614/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,106,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,444
−HK$4,995/mo
▼ 0.25% · 3.875%
HK$94,923
−HK$2,516/mo
Today · 4.125%
HK$97,439
baseline
▲ 0.50% · 4.625%
HK$102,575
+HK$5,136/mo
Deposit HK$7.81M · loan HK$18.22M · min. income ≈ HK$194,878/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,106,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,838
−HK$6,700/mo
▼ 0.25% · 3.875%
HK$110,162
−HK$3,376/mo
Today · 4.125%
HK$113,538
baseline
▲ 0.50% · 4.625%
HK$120,447
+HK$6,909/mo
Deposit HK$2.60M · loan HK$23.43M · min. income ≈ HK$227,076/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,857
−HK$6,421/mo
▼ 0.25% · 3.875%
HK$122,044
−HK$3,234/mo
Today · 4.125%
HK$125,278
baseline
▲ 0.50% · 4.625%
HK$131,882
+HK$6,604/mo
Deposit HK$2.60M · loan HK$23.43M · min. income ≈ HK$250,556/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,268 · Scale 2, in force from 26 Feb 2026)