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$59,468
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$61,318
−HK$1,879/mo
Today · 4.125%
HK$63,197
baseline
▲ 0.50% · 4.625%
HK$67,043
+HK$3,846/mo
Deposit HK$13.04M · loan HK$13.04M · min. income ≈ HK$126,394/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,108,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,157
−HK$3,575/mo
▼ 0.25% · 3.875%
HK$67,932
−HK$1,800/mo
Today · 4.125%
HK$69,732
baseline
▲ 0.50% · 4.625%
HK$73,407
+HK$3,675/mo
Deposit HK$13.04M · loan HK$13.04M · min. income ≈ HK$139,464/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,108,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,362
−HK$4,475/mo
▼ 0.25% · 3.875%
HK$73,581
−HK$2,256/mo
Today · 4.125%
HK$75,837
baseline
▲ 0.50% · 4.625%
HK$80,451
+HK$4,614/mo
Deposit HK$10.43M · loan HK$15.65M · min. income ≈ HK$151,674/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,108,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,389
−HK$4,289/mo
▼ 0.25% · 3.875%
HK$81,518
−HK$2,160/mo
Today · 4.125%
HK$83,678
baseline
▲ 0.50% · 4.625%
HK$88,089
+HK$4,411/mo
Deposit HK$10.43M · loan HK$15.65M · min. income ≈ HK$167,356/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,108,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,255
−HK$5,221/mo
▼ 0.25% · 3.875%
HK$85,845
−HK$2,631/mo
Today · 4.125%
HK$88,476
baseline
▲ 0.50% · 4.625%
HK$93,860
+HK$5,384/mo
Deposit HK$7.82M · loan HK$18.26M · min. income ≈ HK$176,952/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,108,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,620
−HK$5,004/mo
▼ 0.25% · 3.875%
HK$95,105
−HK$2,519/mo
Today · 4.125%
HK$97,624
baseline
▲ 0.50% · 4.625%
HK$102,770
+HK$5,146/mo
Deposit HK$7.82M · loan HK$18.26M · min. income ≈ HK$195,248/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,108,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,042
−HK$6,713/mo
▼ 0.25% · 3.875%
HK$110,372
−HK$3,383/mo
Today · 4.125%
HK$113,755
baseline
▲ 0.50% · 4.625%
HK$120,677
+HK$6,922/mo
Deposit HK$2.61M · loan HK$23.47M · min. income ≈ HK$227,510/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,083
−HK$6,434/mo
▼ 0.25% · 3.875%
HK$122,277
−HK$3,240/mo
Today · 4.125%
HK$125,517
baseline
▲ 0.50% · 4.625%
HK$132,133
+HK$6,616/mo
Deposit HK$2.61M · loan HK$23.47M · min. income ≈ HK$251,034/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,379 · Scale 2, in force from 26 Feb 2026)