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$59,397
−HK$3,724/mo
▼ 0.25% · 3.875%
HK$61,244
−HK$1,877/mo
Today · 4.125%
HK$63,121
baseline
▲ 0.50% · 4.625%
HK$66,962
+HK$3,841/mo
Deposit HK$13.02M · loan HK$13.02M · min. income ≈ HK$126,242/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,107,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,078
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$67,850
−HK$1,798/mo
Today · 4.125%
HK$69,648
baseline
▲ 0.50% · 4.625%
HK$73,319
+HK$3,671/mo
Deposit HK$13.02M · loan HK$13.02M · min. income ≈ HK$139,296/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,107,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,276
−HK$4,470/mo
▼ 0.25% · 3.875%
HK$73,493
−HK$2,253/mo
Today · 4.125%
HK$75,746
baseline
▲ 0.50% · 4.625%
HK$80,355
+HK$4,609/mo
Deposit HK$10.42M · loan HK$15.63M · min. income ≈ HK$151,492/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,294
−HK$4,284/mo
▼ 0.25% · 3.875%
HK$81,420
−HK$2,158/mo
Today · 4.125%
HK$83,578
baseline
▲ 0.50% · 4.625%
HK$87,983
+HK$4,405/mo
Deposit HK$10.42M · loan HK$15.63M · min. income ≈ HK$167,156/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,155
−HK$5,215/mo
▼ 0.25% · 3.875%
HK$85,742
−HK$2,628/mo
Today · 4.125%
HK$88,370
baseline
▲ 0.50% · 4.625%
HK$93,747
+HK$5,377/mo
Deposit HK$7.81M · loan HK$18.23M · min. income ≈ HK$176,740/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,107,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,509
−HK$4,998/mo
▼ 0.25% · 3.875%
HK$94,991
−HK$2,516/mo
Today · 4.125%
HK$97,507
baseline
▲ 0.50% · 4.625%
HK$102,647
+HK$5,140/mo
Deposit HK$7.81M · loan HK$18.23M · min. income ≈ HK$195,014/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,107,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,914
−HK$6,704/mo
▼ 0.25% · 3.875%
HK$110,240
−HK$3,378/mo
Today · 4.125%
HK$113,618
baseline
▲ 0.50% · 4.625%
HK$120,532
+HK$6,914/mo
Deposit HK$2.60M · loan HK$23.44M · min. income ≈ HK$227,236/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,941
−HK$6,426/mo
▼ 0.25% · 3.875%
HK$122,131
−HK$3,236/mo
Today · 4.125%
HK$125,367
baseline
▲ 0.50% · 4.625%
HK$131,975
+HK$6,608/mo
Deposit HK$2.60M · loan HK$23.44M · min. income ≈ HK$250,734/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,050 · Scale 2, in force from 26 Feb 2026)