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$59,373
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$61,220
−HK$1,876/mo
Today · 4.125%
HK$63,096
baseline
▲ 0.50% · 4.625%
HK$66,935
+HK$3,839/mo
Deposit HK$13.02M · loan HK$13.02M · min. income ≈ HK$126,192/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,106,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,052
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$67,823
−HK$1,797/mo
Today · 4.125%
HK$69,620
baseline
▲ 0.50% · 4.625%
HK$73,290
+HK$3,670/mo
Deposit HK$13.02M · loan HK$13.02M · min. income ≈ HK$139,240/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,106,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,247
−HK$4,468/mo
▼ 0.25% · 3.875%
HK$73,463
−HK$2,252/mo
Today · 4.125%
HK$75,715
baseline
▲ 0.50% · 4.625%
HK$80,322
+HK$4,607/mo
Deposit HK$10.42M · loan HK$15.62M · min. income ≈ HK$151,430/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,106,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,262
−HK$4,282/mo
▼ 0.25% · 3.875%
HK$81,388
−HK$2,156/mo
Today · 4.125%
HK$83,544
baseline
▲ 0.50% · 4.625%
HK$87,948
+HK$4,404/mo
Deposit HK$10.42M · loan HK$15.62M · min. income ≈ HK$167,088/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,106,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,122
−HK$5,212/mo
▼ 0.25% · 3.875%
HK$85,707
−HK$2,627/mo
Today · 4.125%
HK$88,334
baseline
▲ 0.50% · 4.625%
HK$93,709
+HK$5,375/mo
Deposit HK$7.81M · loan HK$18.23M · min. income ≈ HK$176,668/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,106,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,472
−HK$4,996/mo
▼ 0.25% · 3.875%
HK$94,952
−HK$2,516/mo
Today · 4.125%
HK$97,468
baseline
▲ 0.50% · 4.625%
HK$102,606
+HK$5,138/mo
Deposit HK$7.81M · loan HK$18.23M · min. income ≈ HK$194,936/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,106,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,871
−HK$6,702/mo
▼ 0.25% · 3.875%
HK$110,195
−HK$3,378/mo
Today · 4.125%
HK$113,573
baseline
▲ 0.50% · 4.625%
HK$120,483
+HK$6,910/mo
Deposit HK$2.60M · loan HK$23.43M · min. income ≈ HK$227,146/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,893
−HK$6,423/mo
▼ 0.25% · 3.875%
HK$122,081
−HK$3,235/mo
Today · 4.125%
HK$125,316
baseline
▲ 0.50% · 4.625%
HK$131,922
+HK$6,606/mo
Deposit HK$2.60M · loan HK$23.43M · min. income ≈ HK$250,632/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,604 · Scale 2, in force from 26 Feb 2026)