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$59,483
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$61,333
−HK$1,880/mo
Today · 4.125%
HK$63,213
baseline
▲ 0.50% · 4.625%
HK$67,060
+HK$3,847/mo
Deposit HK$13.04M · loan HK$13.04M · min. income ≈ HK$126,426/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,108,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,174
−HK$3,575/mo
▼ 0.25% · 3.875%
HK$67,949
−HK$1,800/mo
Today · 4.125%
HK$69,749
baseline
▲ 0.50% · 4.625%
HK$73,426
+HK$3,677/mo
Deposit HK$13.04M · loan HK$13.04M · min. income ≈ HK$139,498/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,108,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,380
−HK$4,476/mo
▼ 0.25% · 3.875%
HK$73,600
−HK$2,256/mo
Today · 4.125%
HK$75,856
baseline
▲ 0.50% · 4.625%
HK$80,471
+HK$4,615/mo
Deposit HK$10.43M · loan HK$15.65M · min. income ≈ HK$151,712/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,108,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,409
−HK$4,290/mo
▼ 0.25% · 3.875%
HK$81,539
−HK$2,160/mo
Today · 4.125%
HK$83,699
baseline
▲ 0.50% · 4.625%
HK$88,111
+HK$4,412/mo
Deposit HK$10.43M · loan HK$15.65M · min. income ≈ HK$167,398/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,108,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,276
−HK$5,222/mo
▼ 0.25% · 3.875%
HK$85,867
−HK$2,631/mo
Today · 4.125%
HK$88,498
baseline
▲ 0.50% · 4.625%
HK$93,883
+HK$5,385/mo
Deposit HK$7.83M · loan HK$18.26M · min. income ≈ HK$176,996/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,108,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,644
−HK$5,005/mo
▼ 0.25% · 3.875%
HK$95,129
−HK$2,520/mo
Today · 4.125%
HK$97,649
baseline
▲ 0.50% · 4.625%
HK$102,797
+HK$5,148/mo
Deposit HK$7.83M · loan HK$18.26M · min. income ≈ HK$195,298/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,108,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,069
−HK$6,715/mo
▼ 0.25% · 3.875%
HK$110,400
−HK$3,384/mo
Today · 4.125%
HK$113,784
baseline
▲ 0.50% · 4.625%
HK$120,707
+HK$6,923/mo
Deposit HK$2.61M · loan HK$23.48M · min. income ≈ HK$227,568/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,114
−HK$6,435/mo
▼ 0.25% · 3.875%
HK$122,308
−HK$3,241/mo
Today · 4.125%
HK$125,549
baseline
▲ 0.50% · 4.625%
HK$132,167
+HK$6,618/mo
Deposit HK$2.61M · loan HK$23.48M · min. income ≈ HK$251,098/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,661 · Scale 2, in force from 26 Feb 2026)