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$59,509
−HK$3,732/mo
▼ 0.25% · 3.875%
HK$61,360
−HK$1,881/mo
Today · 4.125%
HK$63,241
baseline
▲ 0.50% · 4.625%
HK$67,089
+HK$3,848/mo
Deposit HK$13.05M · loan HK$13.05M · min. income ≈ HK$126,482/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,109,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,203
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$67,979
−HK$1,801/mo
Today · 4.125%
HK$69,780
baseline
▲ 0.50% · 4.625%
HK$73,458
+HK$3,678/mo
Deposit HK$13.05M · loan HK$13.05M · min. income ≈ HK$139,560/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,109,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,411
−HK$4,478/mo
▼ 0.25% · 3.875%
HK$73,632
−HK$2,257/mo
Today · 4.125%
HK$75,889
baseline
▲ 0.50% · 4.625%
HK$80,507
+HK$4,618/mo
Deposit HK$10.44M · loan HK$15.66M · min. income ≈ HK$151,778/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,109,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,444
−HK$4,292/mo
▼ 0.25% · 3.875%
HK$81,575
−HK$2,161/mo
Today · 4.125%
HK$83,736
baseline
▲ 0.50% · 4.625%
HK$88,150
+HK$4,414/mo
Deposit HK$10.44M · loan HK$15.66M · min. income ≈ HK$167,472/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,109,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,313
−HK$5,224/mo
▼ 0.25% · 3.875%
HK$85,904
−HK$2,633/mo
Today · 4.125%
HK$88,537
baseline
▲ 0.50% · 4.625%
HK$93,924
+HK$5,387/mo
Deposit HK$7.83M · loan HK$18.27M · min. income ≈ HK$177,074/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,685
−HK$5,007/mo
▼ 0.25% · 3.875%
HK$95,170
−HK$2,522/mo
Today · 4.125%
HK$97,692
baseline
▲ 0.50% · 4.625%
HK$102,842
+HK$5,150/mo
Deposit HK$7.83M · loan HK$18.27M · min. income ≈ HK$195,384/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,116
−HK$6,718/mo
▼ 0.25% · 3.875%
HK$110,448
−HK$3,386/mo
Today · 4.125%
HK$113,834
baseline
▲ 0.50% · 4.625%
HK$120,760
+HK$6,926/mo
Deposit HK$2.61M · loan HK$23.49M · min. income ≈ HK$227,668/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,166
−HK$6,438/mo
▼ 0.25% · 3.875%
HK$122,362
−HK$3,242/mo
Today · 4.125%
HK$125,604
baseline
▲ 0.50% · 4.625%
HK$132,225
+HK$6,621/mo
Deposit HK$2.61M · loan HK$23.49M · min. income ≈ HK$251,208/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,146 · Scale 2, in force from 26 Feb 2026)