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$59,533
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$61,385
−HK$1,881/mo
Today · 4.125%
HK$63,266
baseline
▲ 0.50% · 4.625%
HK$67,116
+HK$3,850/mo
Deposit HK$13.05M · loan HK$13.05M · min. income ≈ HK$126,532/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,109,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,230
−HK$3,578/mo
▼ 0.25% · 3.875%
HK$68,006
−HK$1,802/mo
Today · 4.125%
HK$69,808
baseline
▲ 0.50% · 4.625%
HK$73,487
+HK$3,679/mo
Deposit HK$13.05M · loan HK$13.05M · min. income ≈ HK$139,616/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,109,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,439
−HK$4,480/mo
▼ 0.25% · 3.875%
HK$73,661
−HK$2,258/mo
Today · 4.125%
HK$75,919
baseline
▲ 0.50% · 4.625%
HK$80,539
+HK$4,620/mo
Deposit HK$10.44M · loan HK$15.66M · min. income ≈ HK$151,838/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,109,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,476
−HK$4,293/mo
▼ 0.25% · 3.875%
HK$81,607
−HK$2,162/mo
Today · 4.125%
HK$83,769
baseline
▲ 0.50% · 4.625%
HK$88,185
+HK$4,416/mo
Deposit HK$10.44M · loan HK$15.66M · min. income ≈ HK$167,538/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,109,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,346
−HK$5,226/mo
▼ 0.25% · 3.875%
HK$85,938
−HK$2,634/mo
Today · 4.125%
HK$88,572
baseline
▲ 0.50% · 4.625%
HK$93,962
+HK$5,390/mo
Deposit HK$7.83M · loan HK$18.28M · min. income ≈ HK$177,144/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,721
−HK$5,010/mo
▼ 0.25% · 3.875%
HK$95,208
−HK$2,523/mo
Today · 4.125%
HK$97,731
baseline
▲ 0.50% · 4.625%
HK$102,882
+HK$5,151/mo
Deposit HK$7.83M · loan HK$18.28M · min. income ≈ HK$195,462/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,159
−HK$6,720/mo
▼ 0.25% · 3.875%
HK$110,492
−HK$3,387/mo
Today · 4.125%
HK$113,879
baseline
▲ 0.50% · 4.625%
HK$120,808
+HK$6,929/mo
Deposit HK$2.61M · loan HK$23.50M · min. income ≈ HK$227,758/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,213
−HK$6,441/mo
▼ 0.25% · 3.875%
HK$122,411
−HK$3,243/mo
Today · 4.125%
HK$125,654
baseline
▲ 0.50% · 4.625%
HK$132,277
+HK$6,623/mo
Deposit HK$2.61M · loan HK$23.50M · min. income ≈ HK$251,308/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,587 · Scale 2, in force from 26 Feb 2026)