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$59,311
−HK$3,720/mo
▼ 0.25% · 3.875%
HK$61,156
−HK$1,875/mo
Today · 4.125%
HK$63,031
baseline
▲ 0.50% · 4.625%
HK$66,866
+HK$3,835/mo
Deposit HK$13.01M · loan HK$13.01M · min. income ≈ HK$126,062/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,105,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,983
−HK$3,565/mo
▼ 0.25% · 3.875%
HK$67,753
−HK$1,795/mo
Today · 4.125%
HK$69,548
baseline
▲ 0.50% · 4.625%
HK$73,214
+HK$3,666/mo
Deposit HK$13.01M · loan HK$13.01M · min. income ≈ HK$139,096/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,105,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,173
−HK$4,464/mo
▼ 0.25% · 3.875%
HK$73,387
−HK$2,250/mo
Today · 4.125%
HK$75,637
baseline
▲ 0.50% · 4.625%
HK$80,239
+HK$4,602/mo
Deposit HK$10.40M · loan HK$15.61M · min. income ≈ HK$151,274/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,105,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,180
−HK$4,278/mo
▼ 0.25% · 3.875%
HK$81,303
−HK$2,155/mo
Today · 4.125%
HK$83,458
baseline
▲ 0.50% · 4.625%
HK$87,857
+HK$4,399/mo
Deposit HK$10.40M · loan HK$15.61M · min. income ≈ HK$166,916/mo (50% DSR)
Upfront cash ≈ HK$11.51M (deposit + AVD stamp duty HK$1,105,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,036
−HK$5,207/mo
▼ 0.25% · 3.875%
HK$85,619
−HK$2,624/mo
Today · 4.125%
HK$88,243
baseline
▲ 0.50% · 4.625%
HK$93,612
+HK$5,369/mo
Deposit HK$7.80M · loan HK$18.21M · min. income ≈ HK$176,486/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,105,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,376
−HK$4,991/mo
▼ 0.25% · 3.875%
HK$94,854
−HK$2,513/mo
Today · 4.125%
HK$97,367
baseline
▲ 0.50% · 4.625%
HK$102,500
+HK$5,133/mo
Deposit HK$7.80M · loan HK$18.21M · min. income ≈ HK$194,734/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,105,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,760
−HK$6,695/mo
▼ 0.25% · 3.875%
HK$110,081
−HK$3,374/mo
Today · 4.125%
HK$113,455
baseline
▲ 0.50% · 4.625%
HK$120,358
+HK$6,903/mo
Deposit HK$2.60M · loan HK$23.41M · min. income ≈ HK$226,910/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,105,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,770
−HK$6,416/mo
▼ 0.25% · 3.875%
HK$121,955
−HK$3,231/mo
Today · 4.125%
HK$125,186
baseline
▲ 0.50% · 4.625%
HK$131,785
+HK$6,599/mo
Deposit HK$2.60M · loan HK$23.41M · min. income ≈ HK$250,372/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,105,458 · Scale 2, in force from 26 Feb 2026)