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$59,464
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$61,314
−HK$1,879/mo
Today · 4.125%
HK$63,193
baseline
▲ 0.50% · 4.625%
HK$67,038
+HK$3,845/mo
Deposit HK$13.04M · loan HK$13.04M · min. income ≈ HK$126,386/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,108,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,153
−HK$3,574/mo
▼ 0.25% · 3.875%
HK$67,927
−HK$1,800/mo
Today · 4.125%
HK$69,727
baseline
▲ 0.50% · 4.625%
HK$73,402
+HK$3,675/mo
Deposit HK$13.04M · loan HK$13.04M · min. income ≈ HK$139,454/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,108,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,357
−HK$4,474/mo
▼ 0.25% · 3.875%
HK$73,576
−HK$2,255/mo
Today · 4.125%
HK$75,831
baseline
▲ 0.50% · 4.625%
HK$80,446
+HK$4,615/mo
Deposit HK$10.43M · loan HK$15.65M · min. income ≈ HK$151,662/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,108,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,384
−HK$4,288/mo
▼ 0.25% · 3.875%
HK$81,513
−HK$2,159/mo
Today · 4.125%
HK$83,672
baseline
▲ 0.50% · 4.625%
HK$88,083
+HK$4,411/mo
Deposit HK$10.43M · loan HK$15.65M · min. income ≈ HK$167,344/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,108,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,249
−HK$5,221/mo
▼ 0.25% · 3.875%
HK$85,839
−HK$2,631/mo
Today · 4.125%
HK$88,470
baseline
▲ 0.50% · 4.625%
HK$93,853
+HK$5,383/mo
Deposit HK$7.82M · loan HK$18.25M · min. income ≈ HK$176,940/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,108,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,614
−HK$5,004/mo
▼ 0.25% · 3.875%
HK$95,098
−HK$2,520/mo
Today · 4.125%
HK$97,618
baseline
▲ 0.50% · 4.625%
HK$102,763
+HK$5,145/mo
Deposit HK$7.82M · loan HK$18.25M · min. income ≈ HK$195,236/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,108,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,035
−HK$6,712/mo
▼ 0.25% · 3.875%
HK$110,364
−HK$3,383/mo
Today · 4.125%
HK$113,747
baseline
▲ 0.50% · 4.625%
HK$120,668
+HK$6,921/mo
Deposit HK$2.61M · loan HK$23.47M · min. income ≈ HK$227,494/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,075
−HK$6,434/mo
▼ 0.25% · 3.875%
HK$122,269
−HK$3,240/mo
Today · 4.125%
HK$125,509
baseline
▲ 0.50% · 4.625%
HK$132,124
+HK$6,615/mo
Deposit HK$2.61M · loan HK$23.47M · min. income ≈ HK$251,018/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,304 · Scale 2, in force from 26 Feb 2026)