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$59,511
−HK$3,731/mo
▼ 0.25% · 3.875%
HK$61,362
−HK$1,880/mo
Today · 4.125%
HK$63,242
baseline
▲ 0.50% · 4.625%
HK$67,091
+HK$3,849/mo
Deposit HK$13.05M · loan HK$13.05M · min. income ≈ HK$126,484/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,109,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,205
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$67,981
−HK$1,801/mo
Today · 4.125%
HK$69,782
baseline
▲ 0.50% · 4.625%
HK$73,460
+HK$3,678/mo
Deposit HK$13.05M · loan HK$13.05M · min. income ≈ HK$139,564/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,109,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,413
−HK$4,478/mo
▼ 0.25% · 3.875%
HK$73,634
−HK$2,257/mo
Today · 4.125%
HK$75,891
baseline
▲ 0.50% · 4.625%
HK$80,509
+HK$4,618/mo
Deposit HK$10.44M · loan HK$15.66M · min. income ≈ HK$151,782/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,109,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,446
−HK$4,292/mo
▼ 0.25% · 3.875%
HK$81,577
−HK$2,161/mo
Today · 4.125%
HK$83,738
baseline
▲ 0.50% · 4.625%
HK$88,152
+HK$4,414/mo
Deposit HK$10.44M · loan HK$15.66M · min. income ≈ HK$167,476/mo (50% DSR)
Upfront cash ≈ HK$11.55M (deposit + AVD stamp duty HK$1,109,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,315
−HK$5,224/mo
▼ 0.25% · 3.875%
HK$85,906
−HK$2,633/mo
Today · 4.125%
HK$88,539
baseline
▲ 0.50% · 4.625%
HK$93,927
+HK$5,388/mo
Deposit HK$7.83M · loan HK$18.27M · min. income ≈ HK$177,078/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,687
−HK$5,008/mo
▼ 0.25% · 3.875%
HK$95,173
−HK$2,522/mo
Today · 4.125%
HK$97,695
baseline
▲ 0.50% · 4.625%
HK$102,844
+HK$5,149/mo
Deposit HK$7.83M · loan HK$18.27M · min. income ≈ HK$195,390/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$1,109,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,119
−HK$6,717/mo
▼ 0.25% · 3.875%
HK$110,451
−HK$3,385/mo
Today · 4.125%
HK$113,836
baseline
▲ 0.50% · 4.625%
HK$120,763
+HK$6,927/mo
Deposit HK$2.61M · loan HK$23.49M · min. income ≈ HK$227,672/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,169
−HK$6,438/mo
▼ 0.25% · 3.875%
HK$122,365
−HK$3,242/mo
Today · 4.125%
HK$125,607
baseline
▲ 0.50% · 4.625%
HK$132,228
+HK$6,621/mo
Deposit HK$2.61M · loan HK$23.49M · min. income ≈ HK$251,214/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,109,175 · Scale 2, in force from 26 Feb 2026)