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$59,517
−HK$3,732/mo
▼ 0.25% · 3.875%
HK$61,368
−HK$1,881/mo
Today · 4.125%
HK$63,249
baseline
▲ 0.50% · 4.625%
HK$67,098
+HK$3,849/mo
Deposit HK$13.05M · loan HK$13.05M · min. income ≈ HK$126,498/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,109,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,212
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$67,988
−HK$1,801/mo
Today · 4.125%
HK$69,789
baseline
▲ 0.50% · 4.625%
HK$73,468
+HK$3,679/mo
Deposit HK$13.05M · loan HK$13.05M · min. income ≈ HK$139,578/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,109,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,420
−HK$4,479/mo
▼ 0.25% · 3.875%
HK$73,642
−HK$2,257/mo
Today · 4.125%
HK$75,899
baseline
▲ 0.50% · 4.625%
HK$80,517
+HK$4,618/mo
Deposit HK$10.44M · loan HK$15.66M · min. income ≈ HK$151,798/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,109,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,454
−HK$4,293/mo
▼ 0.25% · 3.875%
HK$81,585
−HK$2,162/mo
Today · 4.125%
HK$83,747
baseline
▲ 0.50% · 4.625%
HK$88,161
+HK$4,414/mo
Deposit HK$10.44M · loan HK$15.66M · min. income ≈ HK$167,494/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,109,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,324
−HK$5,225/mo
▼ 0.25% · 3.875%
HK$85,916
−HK$2,633/mo
Today · 4.125%
HK$88,549
baseline
▲ 0.50% · 4.625%
HK$93,937
+HK$5,388/mo
Deposit HK$7.83M · loan HK$18.27M · min. income ≈ HK$177,098/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,697
−HK$5,008/mo
▼ 0.25% · 3.875%
HK$95,183
−HK$2,522/mo
Today · 4.125%
HK$97,705
baseline
▲ 0.50% · 4.625%
HK$102,855
+HK$5,150/mo
Deposit HK$7.83M · loan HK$18.27M · min. income ≈ HK$195,410/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,130
−HK$6,718/mo
▼ 0.25% · 3.875%
HK$110,463
−HK$3,385/mo
Today · 4.125%
HK$113,848
baseline
▲ 0.50% · 4.625%
HK$120,776
+HK$6,928/mo
Deposit HK$2.61M · loan HK$23.49M · min. income ≈ HK$227,696/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,182
−HK$6,439/mo
▼ 0.25% · 3.875%
HK$122,378
−HK$3,243/mo
Today · 4.125%
HK$125,621
baseline
▲ 0.50% · 4.625%
HK$132,242
+HK$6,621/mo
Deposit HK$2.61M · loan HK$23.49M · min. income ≈ HK$251,242/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,292 · Scale 2, in force from 26 Feb 2026)