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$59,434
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$61,283
−HK$1,878/mo
Today · 4.125%
HK$63,161
baseline
▲ 0.50% · 4.625%
HK$67,004
+HK$3,843/mo
Deposit HK$13.03M · loan HK$13.03M · min. income ≈ HK$126,322/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,107,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,120
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$67,893
−HK$1,799/mo
Today · 4.125%
HK$69,692
baseline
▲ 0.50% · 4.625%
HK$73,366
+HK$3,674/mo
Deposit HK$13.03M · loan HK$13.03M · min. income ≈ HK$139,384/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,107,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,321
−HK$4,472/mo
▼ 0.25% · 3.875%
HK$73,539
−HK$2,254/mo
Today · 4.125%
HK$75,793
baseline
▲ 0.50% · 4.625%
HK$80,405
+HK$4,612/mo
Deposit HK$10.43M · loan HK$15.64M · min. income ≈ HK$151,586/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,344
−HK$4,287/mo
▼ 0.25% · 3.875%
HK$81,472
−HK$2,159/mo
Today · 4.125%
HK$83,631
baseline
▲ 0.50% · 4.625%
HK$88,039
+HK$4,408/mo
Deposit HK$10.43M · loan HK$15.64M · min. income ≈ HK$167,262/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,208
−HK$5,218/mo
▼ 0.25% · 3.875%
HK$85,796
−HK$2,630/mo
Today · 4.125%
HK$88,426
baseline
▲ 0.50% · 4.625%
HK$93,806
+HK$5,380/mo
Deposit HK$7.82M · loan HK$18.25M · min. income ≈ HK$176,852/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,107,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,568
−HK$5,001/mo
▼ 0.25% · 3.875%
HK$95,050
−HK$2,519/mo
Today · 4.125%
HK$97,569
baseline
▲ 0.50% · 4.625%
HK$102,712
+HK$5,143/mo
Deposit HK$7.82M · loan HK$18.25M · min. income ≈ HK$195,138/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,107,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,981
−HK$6,709/mo
▼ 0.25% · 3.875%
HK$110,309
−HK$3,381/mo
Today · 4.125%
HK$113,690
baseline
▲ 0.50% · 4.625%
HK$120,608
+HK$6,918/mo
Deposit HK$2.61M · loan HK$23.46M · min. income ≈ HK$227,380/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,016
−HK$6,430/mo
▼ 0.25% · 3.875%
HK$122,208
−HK$3,238/mo
Today · 4.125%
HK$125,446
baseline
▲ 0.50% · 4.625%
HK$132,058
+HK$6,612/mo
Deposit HK$2.61M · loan HK$23.46M · min. income ≈ HK$250,892/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,749 · Scale 2, in force from 26 Feb 2026)