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$59,394
−HK$3,725/mo
▼ 0.25% · 3.875%
HK$61,242
−HK$1,877/mo
Today · 4.125%
HK$63,119
baseline
▲ 0.50% · 4.625%
HK$66,960
+HK$3,841/mo
Deposit HK$13.02M · loan HK$13.02M · min. income ≈ HK$126,238/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,107,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,076
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$67,848
−HK$1,798/mo
Today · 4.125%
HK$69,646
baseline
▲ 0.50% · 4.625%
HK$73,317
+HK$3,671/mo
Deposit HK$13.02M · loan HK$13.02M · min. income ≈ HK$139,292/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,107,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,273
−HK$4,470/mo
▼ 0.25% · 3.875%
HK$73,490
−HK$2,253/mo
Today · 4.125%
HK$75,743
baseline
▲ 0.50% · 4.625%
HK$80,352
+HK$4,609/mo
Deposit HK$10.42M · loan HK$15.63M · min. income ≈ HK$151,486/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,291
−HK$4,284/mo
▼ 0.25% · 3.875%
HK$81,417
−HK$2,158/mo
Today · 4.125%
HK$83,575
baseline
▲ 0.50% · 4.625%
HK$87,980
+HK$4,405/mo
Deposit HK$10.42M · loan HK$15.63M · min. income ≈ HK$167,150/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,152
−HK$5,215/mo
▼ 0.25% · 3.875%
HK$85,739
−HK$2,628/mo
Today · 4.125%
HK$88,367
baseline
▲ 0.50% · 4.625%
HK$93,744
+HK$5,377/mo
Deposit HK$7.81M · loan HK$18.23M · min. income ≈ HK$176,734/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,107,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,506
−HK$4,998/mo
▼ 0.25% · 3.875%
HK$94,987
−HK$2,517/mo
Today · 4.125%
HK$97,504
baseline
▲ 0.50% · 4.625%
HK$102,643
+HK$5,139/mo
Deposit HK$7.81M · loan HK$18.23M · min. income ≈ HK$195,008/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,107,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,910
−HK$6,704/mo
▼ 0.25% · 3.875%
HK$110,236
−HK$3,378/mo
Today · 4.125%
HK$113,614
baseline
▲ 0.50% · 4.625%
HK$120,527
+HK$6,913/mo
Deposit HK$2.60M · loan HK$23.44M · min. income ≈ HK$227,228/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,936
−HK$6,426/mo
▼ 0.25% · 3.875%
HK$122,126
−HK$3,236/mo
Today · 4.125%
HK$125,362
baseline
▲ 0.50% · 4.625%
HK$131,970
+HK$6,608/mo
Deposit HK$2.60M · loan HK$23.44M · min. income ≈ HK$250,724/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,009 · Scale 2, in force from 26 Feb 2026)