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$59,471
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$61,320
−HK$1,880/mo
Today · 4.125%
HK$63,200
baseline
▲ 0.50% · 4.625%
HK$67,045
+HK$3,845/mo
Deposit HK$13.04M · loan HK$13.04M · min. income ≈ HK$126,400/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,108,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,160
−HK$3,575/mo
▼ 0.25% · 3.875%
HK$67,935
−HK$1,800/mo
Today · 4.125%
HK$69,735
baseline
▲ 0.50% · 4.625%
HK$73,411
+HK$3,676/mo
Deposit HK$13.04M · loan HK$13.04M · min. income ≈ HK$139,470/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,108,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,365
−HK$4,475/mo
▼ 0.25% · 3.875%
HK$73,584
−HK$2,256/mo
Today · 4.125%
HK$75,840
baseline
▲ 0.50% · 4.625%
HK$80,454
+HK$4,614/mo
Deposit HK$10.43M · loan HK$15.65M · min. income ≈ HK$151,680/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,108,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,392
−HK$4,290/mo
▼ 0.25% · 3.875%
HK$81,522
−HK$2,160/mo
Today · 4.125%
HK$83,682
baseline
▲ 0.50% · 4.625%
HK$88,093
+HK$4,411/mo
Deposit HK$10.43M · loan HK$15.65M · min. income ≈ HK$167,364/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,108,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,259
−HK$5,221/mo
▼ 0.25% · 3.875%
HK$85,849
−HK$2,631/mo
Today · 4.125%
HK$88,480
baseline
▲ 0.50% · 4.625%
HK$93,864
+HK$5,384/mo
Deposit HK$7.82M · loan HK$18.26M · min. income ≈ HK$176,960/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,108,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,625
−HK$5,004/mo
▼ 0.25% · 3.875%
HK$95,109
−HK$2,520/mo
Today · 4.125%
HK$97,629
baseline
▲ 0.50% · 4.625%
HK$102,775
+HK$5,146/mo
Deposit HK$7.82M · loan HK$18.26M · min. income ≈ HK$195,258/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,108,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,047
−HK$6,713/mo
▼ 0.25% · 3.875%
HK$110,377
−HK$3,383/mo
Today · 4.125%
HK$113,760
baseline
▲ 0.50% · 4.625%
HK$120,682
+HK$6,922/mo
Deposit HK$2.61M · loan HK$23.47M · min. income ≈ HK$227,520/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,089
−HK$6,434/mo
▼ 0.25% · 3.875%
HK$122,283
−HK$3,240/mo
Today · 4.125%
HK$125,523
baseline
▲ 0.50% · 4.625%
HK$132,139
+HK$6,616/mo
Deposit HK$2.61M · loan HK$23.47M · min. income ≈ HK$251,046/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,427 · Scale 2, in force from 26 Feb 2026)