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$59,432
−HK$3,726/mo
▼ 0.25% · 3.875%
HK$61,280
−HK$1,878/mo
Today · 4.125%
HK$63,158
baseline
▲ 0.50% · 4.625%
HK$67,001
+HK$3,843/mo
Deposit HK$13.03M · loan HK$13.03M · min. income ≈ HK$126,316/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,107,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,117
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$67,890
−HK$1,799/mo
Today · 4.125%
HK$69,689
baseline
▲ 0.50% · 4.625%
HK$73,362
+HK$3,673/mo
Deposit HK$13.03M · loan HK$13.03M · min. income ≈ HK$139,378/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,107,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,318
−HK$4,472/mo
▼ 0.25% · 3.875%
HK$73,536
−HK$2,254/mo
Today · 4.125%
HK$75,790
baseline
▲ 0.50% · 4.625%
HK$80,402
+HK$4,612/mo
Deposit HK$10.43M · loan HK$15.64M · min. income ≈ HK$151,580/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,340
−HK$4,287/mo
▼ 0.25% · 3.875%
HK$81,468
−HK$2,159/mo
Today · 4.125%
HK$83,627
baseline
▲ 0.50% · 4.625%
HK$88,035
+HK$4,408/mo
Deposit HK$10.43M · loan HK$15.64M · min. income ≈ HK$167,254/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,204
−HK$5,218/mo
▼ 0.25% · 3.875%
HK$85,792
−HK$2,630/mo
Today · 4.125%
HK$88,422
baseline
▲ 0.50% · 4.625%
HK$93,802
+HK$5,380/mo
Deposit HK$7.82M · loan HK$18.24M · min. income ≈ HK$176,844/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,107,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,564
−HK$5,001/mo
▼ 0.25% · 3.875%
HK$95,046
−HK$2,519/mo
Today · 4.125%
HK$97,565
baseline
▲ 0.50% · 4.625%
HK$102,707
+HK$5,142/mo
Deposit HK$7.82M · loan HK$18.24M · min. income ≈ HK$195,130/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,107,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,977
−HK$6,708/mo
▼ 0.25% · 3.875%
HK$110,304
−HK$3,381/mo
Today · 4.125%
HK$113,685
baseline
▲ 0.50% · 4.625%
HK$120,603
+HK$6,918/mo
Deposit HK$2.61M · loan HK$23.46M · min. income ≈ HK$227,370/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,011
−HK$6,429/mo
▼ 0.25% · 3.875%
HK$122,202
−HK$3,238/mo
Today · 4.125%
HK$125,440
baseline
▲ 0.50% · 4.625%
HK$132,052
+HK$6,612/mo
Deposit HK$2.61M · loan HK$23.46M · min. income ≈ HK$250,880/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,700 · Scale 2, in force from 26 Feb 2026)