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$59,347
−HK$3,722/mo
▼ 0.25% · 3.875%
HK$61,193
−HK$1,876/mo
Today · 4.125%
HK$63,069
baseline
▲ 0.50% · 4.625%
HK$66,907
+HK$3,838/mo
Deposit HK$13.01M · loan HK$13.01M · min. income ≈ HK$126,138/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,106,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,023
−HK$3,567/mo
▼ 0.25% · 3.875%
HK$67,794
−HK$1,796/mo
Today · 4.125%
HK$69,590
baseline
▲ 0.50% · 4.625%
HK$73,259
+HK$3,669/mo
Deposit HK$13.01M · loan HK$13.01M · min. income ≈ HK$139,180/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,106,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,217
−HK$4,466/mo
▼ 0.25% · 3.875%
HK$73,432
−HK$2,251/mo
Today · 4.125%
HK$75,683
baseline
▲ 0.50% · 4.625%
HK$80,288
+HK$4,605/mo
Deposit HK$10.41M · loan HK$15.62M · min. income ≈ HK$151,366/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,106,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,228
−HK$4,281/mo
▼ 0.25% · 3.875%
HK$81,353
−HK$2,156/mo
Today · 4.125%
HK$83,509
baseline
▲ 0.50% · 4.625%
HK$87,910
+HK$4,401/mo
Deposit HK$10.41M · loan HK$15.62M · min. income ≈ HK$167,018/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,106,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,086
−HK$5,211/mo
▼ 0.25% · 3.875%
HK$85,671
−HK$2,626/mo
Today · 4.125%
HK$88,297
baseline
▲ 0.50% · 4.625%
HK$93,669
+HK$5,372/mo
Deposit HK$7.81M · loan HK$18.22M · min. income ≈ HK$176,594/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,106,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,433
−HK$4,994/mo
▼ 0.25% · 3.875%
HK$94,912
−HK$2,515/mo
Today · 4.125%
HK$97,427
baseline
▲ 0.50% · 4.625%
HK$102,562
+HK$5,135/mo
Deposit HK$7.81M · loan HK$18.22M · min. income ≈ HK$194,854/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,106,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,825
−HK$6,699/mo
▼ 0.25% · 3.875%
HK$110,148
−HK$3,376/mo
Today · 4.125%
HK$113,524
baseline
▲ 0.50% · 4.625%
HK$120,432
+HK$6,908/mo
Deposit HK$2.60M · loan HK$23.42M · min. income ≈ HK$227,048/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,842
−HK$6,421/mo
▼ 0.25% · 3.875%
HK$122,029
−HK$3,234/mo
Today · 4.125%
HK$125,263
baseline
▲ 0.50% · 4.625%
HK$131,866
+HK$6,603/mo
Deposit HK$2.60M · loan HK$23.42M · min. income ≈ HK$250,526/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,133 · Scale 2, in force from 26 Feb 2026)