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$59,404
−HK$3,725/mo
▼ 0.25% · 3.875%
HK$61,252
−HK$1,877/mo
Today · 4.125%
HK$63,129
baseline
▲ 0.50% · 4.625%
HK$66,971
+HK$3,842/mo
Deposit HK$13.03M · loan HK$13.03M · min. income ≈ HK$126,258/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,107,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,087
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$67,859
−HK$1,798/mo
Today · 4.125%
HK$69,657
baseline
▲ 0.50% · 4.625%
HK$73,329
+HK$3,672/mo
Deposit HK$13.03M · loan HK$13.03M · min. income ≈ HK$139,314/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,107,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,285
−HK$4,470/mo
▼ 0.25% · 3.875%
HK$73,502
−HK$2,253/mo
Today · 4.125%
HK$75,755
baseline
▲ 0.50% · 4.625%
HK$80,365
+HK$4,610/mo
Deposit HK$10.42M · loan HK$15.63M · min. income ≈ HK$151,510/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,304
−HK$4,284/mo
▼ 0.25% · 3.875%
HK$81,431
−HK$2,157/mo
Today · 4.125%
HK$83,588
baseline
▲ 0.50% · 4.625%
HK$87,995
+HK$4,407/mo
Deposit HK$10.42M · loan HK$15.63M · min. income ≈ HK$167,176/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,166
−HK$5,215/mo
▼ 0.25% · 3.875%
HK$85,753
−HK$2,628/mo
Today · 4.125%
HK$88,381
baseline
▲ 0.50% · 4.625%
HK$93,759
+HK$5,378/mo
Deposit HK$7.82M · loan HK$18.24M · min. income ≈ HK$176,762/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,107,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,521
−HK$4,999/mo
▼ 0.25% · 3.875%
HK$95,003
−HK$2,517/mo
Today · 4.125%
HK$97,520
baseline
▲ 0.50% · 4.625%
HK$102,660
+HK$5,140/mo
Deposit HK$7.82M · loan HK$18.24M · min. income ≈ HK$195,040/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,107,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,928
−HK$6,705/mo
▼ 0.25% · 3.875%
HK$110,254
−HK$3,379/mo
Today · 4.125%
HK$113,633
baseline
▲ 0.50% · 4.625%
HK$120,547
+HK$6,914/mo
Deposit HK$2.61M · loan HK$23.45M · min. income ≈ HK$227,266/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,956
−HK$6,427/mo
▼ 0.25% · 3.875%
HK$122,146
−HK$3,237/mo
Today · 4.125%
HK$125,383
baseline
▲ 0.50% · 4.625%
HK$131,992
+HK$6,609/mo
Deposit HK$2.61M · loan HK$23.45M · min. income ≈ HK$250,766/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,192 · Scale 2, in force from 26 Feb 2026)