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$59,325
−HK$3,720/mo
▼ 0.25% · 3.875%
HK$61,170
−HK$1,875/mo
Today · 4.125%
HK$63,045
baseline
▲ 0.50% · 4.625%
HK$66,881
+HK$3,836/mo
Deposit HK$13.01M · loan HK$13.01M · min. income ≈ HK$126,090/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,105,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,998
−HK$3,566/mo
▼ 0.25% · 3.875%
HK$67,768
−HK$1,796/mo
Today · 4.125%
HK$69,564
baseline
▲ 0.50% · 4.625%
HK$73,231
+HK$3,667/mo
Deposit HK$13.01M · loan HK$13.01M · min. income ≈ HK$139,128/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,105,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,190
−HK$4,464/mo
▼ 0.25% · 3.875%
HK$73,404
−HK$2,250/mo
Today · 4.125%
HK$75,654
baseline
▲ 0.50% · 4.625%
HK$80,257
+HK$4,603/mo
Deposit HK$10.41M · loan HK$15.61M · min. income ≈ HK$151,308/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,105,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,198
−HK$4,279/mo
▼ 0.25% · 3.875%
HK$81,322
−HK$2,155/mo
Today · 4.125%
HK$83,477
baseline
▲ 0.50% · 4.625%
HK$87,877
+HK$4,400/mo
Deposit HK$10.41M · loan HK$15.61M · min. income ≈ HK$166,954/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,105,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,055
−HK$5,208/mo
▼ 0.25% · 3.875%
HK$85,638
−HK$2,625/mo
Today · 4.125%
HK$88,263
baseline
▲ 0.50% · 4.625%
HK$93,634
+HK$5,371/mo
Deposit HK$7.81M · loan HK$18.21M · min. income ≈ HK$176,526/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,105,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,398
−HK$4,992/mo
▼ 0.25% · 3.875%
HK$94,876
−HK$2,514/mo
Today · 4.125%
HK$97,390
baseline
▲ 0.50% · 4.625%
HK$102,523
+HK$5,133/mo
Deposit HK$7.81M · loan HK$18.21M · min. income ≈ HK$194,780/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,105,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,785
−HK$6,696/mo
▼ 0.25% · 3.875%
HK$110,106
−HK$3,375/mo
Today · 4.125%
HK$113,481
baseline
▲ 0.50% · 4.625%
HK$120,386
+HK$6,905/mo
Deposit HK$2.60M · loan HK$23.42M · min. income ≈ HK$226,962/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,105,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,797
−HK$6,418/mo
▼ 0.25% · 3.875%
HK$121,983
−HK$3,232/mo
Today · 4.125%
HK$125,215
baseline
▲ 0.50% · 4.625%
HK$131,815
+HK$6,600/mo
Deposit HK$2.60M · loan HK$23.42M · min. income ≈ HK$250,430/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,105,711 · Scale 2, in force from 26 Feb 2026)