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$59,520
−HK$3,732/mo
▼ 0.25% · 3.875%
HK$61,371
−HK$1,881/mo
Today · 4.125%
HK$63,252
baseline
▲ 0.50% · 4.625%
HK$67,101
+HK$3,849/mo
Deposit HK$13.05M · loan HK$13.05M · min. income ≈ HK$126,504/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,109,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,215
−HK$3,578/mo
▼ 0.25% · 3.875%
HK$67,991
−HK$1,802/mo
Today · 4.125%
HK$69,793
baseline
▲ 0.50% · 4.625%
HK$73,472
+HK$3,679/mo
Deposit HK$13.05M · loan HK$13.05M · min. income ≈ HK$139,586/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,109,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,424
−HK$4,479/mo
▼ 0.25% · 3.875%
HK$73,646
−HK$2,257/mo
Today · 4.125%
HK$75,903
baseline
▲ 0.50% · 4.625%
HK$80,521
+HK$4,618/mo
Deposit HK$10.44M · loan HK$15.66M · min. income ≈ HK$151,806/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,109,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,458
−HK$4,293/mo
▼ 0.25% · 3.875%
HK$81,589
−HK$2,162/mo
Today · 4.125%
HK$83,751
baseline
▲ 0.50% · 4.625%
HK$88,166
+HK$4,415/mo
Deposit HK$10.44M · loan HK$15.66M · min. income ≈ HK$167,502/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,109,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,328
−HK$5,225/mo
▼ 0.25% · 3.875%
HK$85,920
−HK$2,633/mo
Today · 4.125%
HK$88,553
baseline
▲ 0.50% · 4.625%
HK$93,941
+HK$5,388/mo
Deposit HK$7.83M · loan HK$18.27M · min. income ≈ HK$177,106/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,701
−HK$5,009/mo
▼ 0.25% · 3.875%
HK$95,188
−HK$2,522/mo
Today · 4.125%
HK$97,710
baseline
▲ 0.50% · 4.625%
HK$102,860
+HK$5,150/mo
Deposit HK$7.83M · loan HK$18.27M · min. income ≈ HK$195,420/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,136
−HK$6,718/mo
▼ 0.25% · 3.875%
HK$110,468
−HK$3,386/mo
Today · 4.125%
HK$113,854
baseline
▲ 0.50% · 4.625%
HK$120,782
+HK$6,928/mo
Deposit HK$2.61M · loan HK$23.49M · min. income ≈ HK$227,708/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,187
−HK$6,440/mo
▼ 0.25% · 3.875%
HK$122,384
−HK$3,243/mo
Today · 4.125%
HK$125,627
baseline
▲ 0.50% · 4.625%
HK$132,249
+HK$6,622/mo
Deposit HK$2.61M · loan HK$23.49M · min. income ≈ HK$251,254/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,347 · Scale 2, in force from 26 Feb 2026)