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$59,512
−HK$3,732/mo
▼ 0.25% · 3.875%
HK$61,363
−HK$1,881/mo
Today · 4.125%
HK$63,244
baseline
▲ 0.50% · 4.625%
HK$67,092
+HK$3,848/mo
Deposit HK$13.05M · loan HK$13.05M · min. income ≈ HK$126,488/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,109,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,206
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$67,982
−HK$1,801/mo
Today · 4.125%
HK$69,783
baseline
▲ 0.50% · 4.625%
HK$73,461
+HK$3,678/mo
Deposit HK$13.05M · loan HK$13.05M · min. income ≈ HK$139,566/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,109,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,414
−HK$4,478/mo
▼ 0.25% · 3.875%
HK$73,635
−HK$2,257/mo
Today · 4.125%
HK$75,892
baseline
▲ 0.50% · 4.625%
HK$80,510
+HK$4,618/mo
Deposit HK$10.44M · loan HK$15.66M · min. income ≈ HK$151,784/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,109,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,447
−HK$4,293/mo
▼ 0.25% · 3.875%
HK$81,578
−HK$2,162/mo
Today · 4.125%
HK$83,740
baseline
▲ 0.50% · 4.625%
HK$88,154
+HK$4,414/mo
Deposit HK$10.44M · loan HK$15.66M · min. income ≈ HK$167,480/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,109,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,316
−HK$5,225/mo
▼ 0.25% · 3.875%
HK$85,908
−HK$2,633/mo
Today · 4.125%
HK$88,541
baseline
▲ 0.50% · 4.625%
HK$93,929
+HK$5,388/mo
Deposit HK$7.83M · loan HK$18.27M · min. income ≈ HK$177,082/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,689
−HK$5,007/mo
▼ 0.25% · 3.875%
HK$95,174
−HK$2,522/mo
Today · 4.125%
HK$97,696
baseline
▲ 0.50% · 4.625%
HK$102,846
+HK$5,150/mo
Deposit HK$7.83M · loan HK$18.27M · min. income ≈ HK$195,392/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,121
−HK$6,717/mo
▼ 0.25% · 3.875%
HK$110,453
−HK$3,385/mo
Today · 4.125%
HK$113,838
baseline
▲ 0.50% · 4.625%
HK$120,765
+HK$6,927/mo
Deposit HK$2.61M · loan HK$23.49M · min. income ≈ HK$227,676/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,171
−HK$6,438/mo
▼ 0.25% · 3.875%
HK$122,367
−HK$3,242/mo
Today · 4.125%
HK$125,609
baseline
▲ 0.50% · 4.625%
HK$132,231
+HK$6,622/mo
Deposit HK$2.61M · loan HK$23.49M · min. income ≈ HK$251,218/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,194 · Scale 2, in force from 26 Feb 2026)