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$59,531
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$61,383
−HK$1,882/mo
Today · 4.125%
HK$63,265
baseline
▲ 0.50% · 4.625%
HK$67,114
+HK$3,849/mo
Deposit HK$13.05M · loan HK$13.05M · min. income ≈ HK$126,530/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,109,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,228
−HK$3,578/mo
▼ 0.25% · 3.875%
HK$68,004
−HK$1,802/mo
Today · 4.125%
HK$69,806
baseline
▲ 0.50% · 4.625%
HK$73,486
+HK$3,680/mo
Deposit HK$13.05M · loan HK$13.05M · min. income ≈ HK$139,612/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,109,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,438
−HK$4,480/mo
▼ 0.25% · 3.875%
HK$73,660
−HK$2,258/mo
Today · 4.125%
HK$75,918
baseline
▲ 0.50% · 4.625%
HK$80,537
+HK$4,619/mo
Deposit HK$10.44M · loan HK$15.66M · min. income ≈ HK$151,836/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,109,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,474
−HK$4,294/mo
▼ 0.25% · 3.875%
HK$81,605
−HK$2,163/mo
Today · 4.125%
HK$83,768
baseline
▲ 0.50% · 4.625%
HK$88,183
+HK$4,415/mo
Deposit HK$10.44M · loan HK$15.66M · min. income ≈ HK$167,536/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,109,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,344
−HK$5,226/mo
▼ 0.25% · 3.875%
HK$85,937
−HK$2,633/mo
Today · 4.125%
HK$88,570
baseline
▲ 0.50% · 4.625%
HK$93,960
+HK$5,390/mo
Deposit HK$7.83M · loan HK$18.28M · min. income ≈ HK$177,140/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,719
−HK$5,010/mo
▼ 0.25% · 3.875%
HK$95,206
−HK$2,523/mo
Today · 4.125%
HK$97,729
baseline
▲ 0.50% · 4.625%
HK$102,880
+HK$5,151/mo
Deposit HK$7.83M · loan HK$18.28M · min. income ≈ HK$195,458/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,157
−HK$6,719/mo
▼ 0.25% · 3.875%
HK$110,490
−HK$3,386/mo
Today · 4.125%
HK$113,876
baseline
▲ 0.50% · 4.625%
HK$120,805
+HK$6,929/mo
Deposit HK$2.61M · loan HK$23.50M · min. income ≈ HK$227,752/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,211
−HK$6,440/mo
▼ 0.25% · 3.875%
HK$122,408
−HK$3,243/mo
Today · 4.125%
HK$125,651
baseline
▲ 0.50% · 4.625%
HK$132,275
+HK$6,624/mo
Deposit HK$2.61M · loan HK$23.50M · min. income ≈ HK$251,302/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,564 · Scale 2, in force from 26 Feb 2026)