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$59,316
−HK$3,720/mo
▼ 0.25% · 3.875%
HK$61,162
−HK$1,874/mo
Today · 4.125%
HK$63,036
baseline
▲ 0.50% · 4.625%
HK$66,872
+HK$3,836/mo
Deposit HK$13.01M · loan HK$13.01M · min. income ≈ HK$126,072/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,105,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,989
−HK$3,565/mo
▼ 0.25% · 3.875%
HK$67,759
−HK$1,795/mo
Today · 4.125%
HK$69,554
baseline
▲ 0.50% · 4.625%
HK$73,220
+HK$3,666/mo
Deposit HK$13.01M · loan HK$13.01M · min. income ≈ HK$139,108/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,105,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,180
−HK$4,463/mo
▼ 0.25% · 3.875%
HK$73,394
−HK$2,249/mo
Today · 4.125%
HK$75,643
baseline
▲ 0.50% · 4.625%
HK$80,246
+HK$4,603/mo
Deposit HK$10.41M · loan HK$15.61M · min. income ≈ HK$151,286/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,105,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,187
−HK$4,278/mo
▼ 0.25% · 3.875%
HK$81,311
−HK$2,154/mo
Today · 4.125%
HK$83,465
baseline
▲ 0.50% · 4.625%
HK$87,865
+HK$4,400/mo
Deposit HK$10.41M · loan HK$15.61M · min. income ≈ HK$166,930/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,105,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,043
−HK$5,208/mo
▼ 0.25% · 3.875%
HK$85,626
−HK$2,625/mo
Today · 4.125%
HK$88,251
baseline
▲ 0.50% · 4.625%
HK$93,620
+HK$5,369/mo
Deposit HK$7.80M · loan HK$18.21M · min. income ≈ HK$176,502/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,105,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,385
−HK$4,991/mo
▼ 0.25% · 3.875%
HK$94,862
−HK$2,514/mo
Today · 4.125%
HK$97,376
baseline
▲ 0.50% · 4.625%
HK$102,509
+HK$5,133/mo
Deposit HK$7.80M · loan HK$18.21M · min. income ≈ HK$194,752/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,105,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,770
−HK$6,695/mo
▼ 0.25% · 3.875%
HK$110,091
−HK$3,374/mo
Today · 4.125%
HK$113,465
baseline
▲ 0.50% · 4.625%
HK$120,369
+HK$6,904/mo
Deposit HK$2.60M · loan HK$23.41M · min. income ≈ HK$226,930/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,105,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,780
−HK$6,418/mo
▼ 0.25% · 3.875%
HK$121,966
−HK$3,232/mo
Today · 4.125%
HK$125,198
baseline
▲ 0.50% · 4.625%
HK$131,797
+HK$6,599/mo
Deposit HK$2.60M · loan HK$23.41M · min. income ≈ HK$250,396/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,105,556 · Scale 2, in force from 26 Feb 2026)