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$59,394
−HK$3,724/mo
▼ 0.25% · 3.875%
HK$61,241
−HK$1,877/mo
Today · 4.125%
HK$63,118
baseline
▲ 0.50% · 4.625%
HK$66,959
+HK$3,841/mo
Deposit HK$13.02M · loan HK$13.02M · min. income ≈ HK$126,236/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,106,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,075
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$67,847
−HK$1,798/mo
Today · 4.125%
HK$69,645
baseline
▲ 0.50% · 4.625%
HK$73,316
+HK$3,671/mo
Deposit HK$13.02M · loan HK$13.02M · min. income ≈ HK$139,290/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,106,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,272
−HK$4,470/mo
▼ 0.25% · 3.875%
HK$73,489
−HK$2,253/mo
Today · 4.125%
HK$75,742
baseline
▲ 0.50% · 4.625%
HK$80,351
+HK$4,609/mo
Deposit HK$10.42M · loan HK$15.63M · min. income ≈ HK$151,484/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,106,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,290
−HK$4,284/mo
▼ 0.25% · 3.875%
HK$81,416
−HK$2,158/mo
Today · 4.125%
HK$83,574
baseline
▲ 0.50% · 4.625%
HK$87,979
+HK$4,405/mo
Deposit HK$10.42M · loan HK$15.63M · min. income ≈ HK$167,148/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,106,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,151
−HK$5,214/mo
▼ 0.25% · 3.875%
HK$85,738
−HK$2,627/mo
Today · 4.125%
HK$88,365
baseline
▲ 0.50% · 4.625%
HK$93,742
+HK$5,377/mo
Deposit HK$7.81M · loan HK$18.23M · min. income ≈ HK$176,730/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,106,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,505
−HK$4,998/mo
▼ 0.25% · 3.875%
HK$94,986
−HK$2,517/mo
Today · 4.125%
HK$97,503
baseline
▲ 0.50% · 4.625%
HK$102,642
+HK$5,139/mo
Deposit HK$7.81M · loan HK$18.23M · min. income ≈ HK$195,006/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,106,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,909
−HK$6,704/mo
▼ 0.25% · 3.875%
HK$110,234
−HK$3,379/mo
Today · 4.125%
HK$113,613
baseline
▲ 0.50% · 4.625%
HK$120,526
+HK$6,913/mo
Deposit HK$2.60M · loan HK$23.44M · min. income ≈ HK$227,226/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,935
−HK$6,425/mo
▼ 0.25% · 3.875%
HK$122,125
−HK$3,235/mo
Today · 4.125%
HK$125,360
baseline
▲ 0.50% · 4.625%
HK$131,968
+HK$6,608/mo
Deposit HK$2.60M · loan HK$23.44M · min. income ≈ HK$250,720/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,995 · Scale 2, in force from 26 Feb 2026)