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$59,343
−HK$3,721/mo
▼ 0.25% · 3.875%
HK$61,188
−HK$1,876/mo
Today · 4.125%
HK$63,064
baseline
▲ 0.50% · 4.625%
HK$66,901
+HK$3,837/mo
Deposit HK$13.01M · loan HK$13.01M · min. income ≈ HK$126,128/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,106,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,018
−HK$3,567/mo
▼ 0.25% · 3.875%
HK$67,789
−HK$1,796/mo
Today · 4.125%
HK$69,585
baseline
▲ 0.50% · 4.625%
HK$73,253
+HK$3,668/mo
Deposit HK$13.01M · loan HK$13.01M · min. income ≈ HK$139,170/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,106,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,211
−HK$4,466/mo
▼ 0.25% · 3.875%
HK$73,426
−HK$2,251/mo
Today · 4.125%
HK$75,677
baseline
▲ 0.50% · 4.625%
HK$80,281
+HK$4,604/mo
Deposit HK$10.41M · loan HK$15.61M · min. income ≈ HK$151,354/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,106,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,222
−HK$4,280/mo
▼ 0.25% · 3.875%
HK$81,346
−HK$2,156/mo
Today · 4.125%
HK$83,502
baseline
▲ 0.50% · 4.625%
HK$87,903
+HK$4,401/mo
Deposit HK$10.41M · loan HK$15.61M · min. income ≈ HK$167,004/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,106,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,080
−HK$5,209/mo
▼ 0.25% · 3.875%
HK$85,664
−HK$2,625/mo
Today · 4.125%
HK$88,289
baseline
▲ 0.50% · 4.625%
HK$93,662
+HK$5,373/mo
Deposit HK$7.81M · loan HK$18.22M · min. income ≈ HK$176,578/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,106,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,425
−HK$4,994/mo
▼ 0.25% · 3.875%
HK$94,904
−HK$2,515/mo
Today · 4.125%
HK$97,419
baseline
▲ 0.50% · 4.625%
HK$102,554
+HK$5,135/mo
Deposit HK$7.81M · loan HK$18.22M · min. income ≈ HK$194,838/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,106,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,817
−HK$6,698/mo
▼ 0.25% · 3.875%
HK$110,139
−HK$3,376/mo
Today · 4.125%
HK$113,515
baseline
▲ 0.50% · 4.625%
HK$120,422
+HK$6,907/mo
Deposit HK$2.60M · loan HK$23.42M · min. income ≈ HK$227,030/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,832
−HK$6,420/mo
▼ 0.25% · 3.875%
HK$122,019
−HK$3,233/mo
Today · 4.125%
HK$125,252
baseline
▲ 0.50% · 4.625%
HK$131,855
+HK$6,603/mo
Deposit HK$2.60M · loan HK$23.42M · min. income ≈ HK$250,504/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,106,041 · Scale 2, in force from 26 Feb 2026)