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$59,406
−HK$3,725/mo
▼ 0.25% · 3.875%
HK$61,254
−HK$1,877/mo
Today · 4.125%
HK$63,131
baseline
▲ 0.50% · 4.625%
HK$66,973
+HK$3,842/mo
Deposit HK$13.03M · loan HK$13.03M · min. income ≈ HK$126,262/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,107,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,089
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$67,861
−HK$1,798/mo
Today · 4.125%
HK$69,659
baseline
▲ 0.50% · 4.625%
HK$73,331
+HK$3,672/mo
Deposit HK$13.03M · loan HK$13.03M · min. income ≈ HK$139,318/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,107,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,287
−HK$4,471/mo
▼ 0.25% · 3.875%
HK$73,505
−HK$2,253/mo
Today · 4.125%
HK$75,758
baseline
▲ 0.50% · 4.625%
HK$80,367
+HK$4,609/mo
Deposit HK$10.42M · loan HK$15.63M · min. income ≈ HK$151,516/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,306
−HK$4,285/mo
▼ 0.25% · 3.875%
HK$81,433
−HK$2,158/mo
Today · 4.125%
HK$83,591
baseline
▲ 0.50% · 4.625%
HK$87,997
+HK$4,406/mo
Deposit HK$10.42M · loan HK$15.63M · min. income ≈ HK$167,182/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,168
−HK$5,216/mo
▼ 0.25% · 3.875%
HK$85,755
−HK$2,629/mo
Today · 4.125%
HK$88,384
baseline
▲ 0.50% · 4.625%
HK$93,762
+HK$5,378/mo
Deposit HK$7.82M · loan HK$18.24M · min. income ≈ HK$176,768/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,107,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,524
−HK$4,999/mo
▼ 0.25% · 3.875%
HK$95,005
−HK$2,518/mo
Today · 4.125%
HK$97,523
baseline
▲ 0.50% · 4.625%
HK$102,663
+HK$5,140/mo
Deposit HK$7.82M · loan HK$18.24M · min. income ≈ HK$195,046/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,107,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,931
−HK$6,705/mo
▼ 0.25% · 3.875%
HK$110,257
−HK$3,379/mo
Today · 4.125%
HK$113,636
baseline
▲ 0.50% · 4.625%
HK$120,551
+HK$6,915/mo
Deposit HK$2.61M · loan HK$23.45M · min. income ≈ HK$227,272/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,959
−HK$6,427/mo
▼ 0.25% · 3.875%
HK$122,150
−HK$3,236/mo
Today · 4.125%
HK$125,386
baseline
▲ 0.50% · 4.625%
HK$131,996
+HK$6,610/mo
Deposit HK$2.61M · loan HK$23.45M · min. income ≈ HK$250,772/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,225 · Scale 2, in force from 26 Feb 2026)