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$59,375
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$61,221
−HK$1,877/mo
Today · 4.125%
HK$63,098
baseline
▲ 0.50% · 4.625%
HK$66,937
+HK$3,839/mo
Deposit HK$13.02M · loan HK$13.02M · min. income ≈ HK$126,196/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,106,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,054
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$67,825
−HK$1,797/mo
Today · 4.125%
HK$69,622
baseline
▲ 0.50% · 4.625%
HK$73,292
+HK$3,670/mo
Deposit HK$13.02M · loan HK$13.02M · min. income ≈ HK$139,244/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,106,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,249
−HK$4,468/mo
▼ 0.25% · 3.875%
HK$73,466
−HK$2,251/mo
Today · 4.125%
HK$75,717
baseline
▲ 0.50% · 4.625%
HK$80,325
+HK$4,608/mo
Deposit HK$10.42M · loan HK$15.62M · min. income ≈ HK$151,434/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,106,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,264
−HK$4,283/mo
▼ 0.25% · 3.875%
HK$81,390
−HK$2,157/mo
Today · 4.125%
HK$83,547
baseline
▲ 0.50% · 4.625%
HK$87,951
+HK$4,404/mo
Deposit HK$10.42M · loan HK$15.62M · min. income ≈ HK$167,094/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,106,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,124
−HK$5,213/mo
▼ 0.25% · 3.875%
HK$85,710
−HK$2,627/mo
Today · 4.125%
HK$88,337
baseline
▲ 0.50% · 4.625%
HK$93,712
+HK$5,375/mo
Deposit HK$7.81M · loan HK$18.23M · min. income ≈ HK$176,674/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,106,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,475
−HK$4,996/mo
▼ 0.25% · 3.875%
HK$94,955
−HK$2,516/mo
Today · 4.125%
HK$97,471
baseline
▲ 0.50% · 4.625%
HK$102,609
+HK$5,138/mo
Deposit HK$7.81M · loan HK$18.23M · min. income ≈ HK$194,942/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,106,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,874
−HK$6,702/mo
▼ 0.25% · 3.875%
HK$110,199
−HK$3,377/mo
Today · 4.125%
HK$113,576
baseline
▲ 0.50% · 4.625%
HK$120,487
+HK$6,911/mo
Deposit HK$2.60M · loan HK$23.43M · min. income ≈ HK$227,152/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,896
−HK$6,424/mo
▼ 0.25% · 3.875%
HK$122,085
−HK$3,235/mo
Today · 4.125%
HK$125,320
baseline
▲ 0.50% · 4.625%
HK$131,926
+HK$6,606/mo
Deposit HK$2.60M · loan HK$23.43M · min. income ≈ HK$250,640/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,638 · Scale 2, in force from 26 Feb 2026)