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$66,970
+HK$3,841/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$1,107,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,086
−HK$3,571/mo
▼ 0.25% · 3.875%
HK$67,859
−HK$1,798/mo
Today · 4.125%
HK$69,657
baseline
▲ 0.50% · 4.625%
HK$73,328
+HK$3,671/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$1,107,186 · 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$80,364
+HK$4,609/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$1,107,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,304
−HK$4,284/mo
▼ 0.25% · 3.875%
HK$81,430
−HK$2,158/mo
Today · 4.125%
HK$83,588
baseline
▲ 0.50% · 4.625%
HK$87,994
+HK$4,406/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$1,107,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,165
−HK$5,216/mo
▼ 0.25% · 3.875%
HK$85,752
−HK$2,629/mo
Today · 4.125%
HK$88,381
baseline
▲ 0.50% · 4.625%
HK$93,758
+HK$5,377/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$1,107,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,521
−HK$4,998/mo
▼ 0.25% · 3.875%
HK$95,002
−HK$2,517/mo
Today · 4.125%
HK$97,519
baseline
▲ 0.50% · 4.625%
HK$102,660
+HK$5,141/mo
Deposit HK$7.82M · loan HK$18.24M · min. income ≈ HK$195,038/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,107,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,927
−HK$6,705/mo
▼ 0.25% · 3.875%
HK$110,253
−HK$3,379/mo
Today · 4.125%
HK$113,632
baseline
▲ 0.50% · 4.625%
HK$120,547
+HK$6,915/mo
Deposit HK$2.61M · loan HK$23.45M · min. income ≈ HK$227,264/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,955
−HK$6,427/mo
▼ 0.25% · 3.875%
HK$122,146
−HK$3,236/mo
Today · 4.125%
HK$125,382
baseline
▲ 0.50% · 4.625%
HK$131,991
+HK$6,609/mo
Deposit HK$2.61M · loan HK$23.45M · min. income ≈ HK$250,764/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,186 · Scale 2, in force from 26 Feb 2026)