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$59,461
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$61,311
−HK$1,879/mo
Today · 4.125%
HK$63,190
baseline
▲ 0.50% · 4.625%
HK$67,035
+HK$3,845/mo
Deposit HK$13.04M · loan HK$13.04M · min. income ≈ HK$126,380/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,108,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,150
−HK$3,574/mo
▼ 0.25% · 3.875%
HK$67,924
−HK$1,800/mo
Today · 4.125%
HK$69,724
baseline
▲ 0.50% · 4.625%
HK$73,399
+HK$3,675/mo
Deposit HK$13.04M · loan HK$13.04M · min. income ≈ HK$139,448/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,108,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,353
−HK$4,475/mo
▼ 0.25% · 3.875%
HK$73,573
−HK$2,255/mo
Today · 4.125%
HK$75,828
baseline
▲ 0.50% · 4.625%
HK$80,442
+HK$4,614/mo
Deposit HK$10.43M · loan HK$15.65M · min. income ≈ HK$151,656/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,108,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,380
−HK$4,289/mo
▼ 0.25% · 3.875%
HK$81,509
−HK$2,160/mo
Today · 4.125%
HK$83,669
baseline
▲ 0.50% · 4.625%
HK$88,079
+HK$4,410/mo
Deposit HK$10.43M · loan HK$15.65M · min. income ≈ HK$167,338/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,108,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,246
−HK$5,220/mo
▼ 0.25% · 3.875%
HK$85,835
−HK$2,631/mo
Today · 4.125%
HK$88,466
baseline
▲ 0.50% · 4.625%
HK$93,849
+HK$5,383/mo
Deposit HK$7.82M · loan HK$18.25M · min. income ≈ HK$176,932/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,108,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,610
−HK$5,003/mo
▼ 0.25% · 3.875%
HK$95,094
−HK$2,519/mo
Today · 4.125%
HK$97,613
baseline
▲ 0.50% · 4.625%
HK$102,759
+HK$5,146/mo
Deposit HK$7.82M · loan HK$18.25M · min. income ≈ HK$195,226/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,108,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,030
−HK$6,712/mo
▼ 0.25% · 3.875%
HK$110,359
−HK$3,383/mo
Today · 4.125%
HK$113,742
baseline
▲ 0.50% · 4.625%
HK$120,663
+HK$6,921/mo
Deposit HK$2.61M · loan HK$23.47M · min. income ≈ HK$227,484/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,070
−HK$6,433/mo
▼ 0.25% · 3.875%
HK$122,263
−HK$3,240/mo
Today · 4.125%
HK$125,503
baseline
▲ 0.50% · 4.625%
HK$132,118
+HK$6,615/mo
Deposit HK$2.61M · loan HK$23.47M · min. income ≈ HK$251,006/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,253 · Scale 2, in force from 26 Feb 2026)