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$59,472
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$61,322
−HK$1,879/mo
Today · 4.125%
HK$63,201
baseline
▲ 0.50% · 4.625%
HK$67,047
+HK$3,846/mo
Deposit HK$13.04M · loan HK$13.04M · min. income ≈ HK$126,402/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,108,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,162
−HK$3,574/mo
▼ 0.25% · 3.875%
HK$67,936
−HK$1,800/mo
Today · 4.125%
HK$69,736
baseline
▲ 0.50% · 4.625%
HK$73,412
+HK$3,676/mo
Deposit HK$13.04M · loan HK$13.04M · min. income ≈ HK$139,472/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,108,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,366
−HK$4,476/mo
▼ 0.25% · 3.875%
HK$73,586
−HK$2,256/mo
Today · 4.125%
HK$75,842
baseline
▲ 0.50% · 4.625%
HK$80,456
+HK$4,614/mo
Deposit HK$10.43M · loan HK$15.65M · min. income ≈ HK$151,684/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,108,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,394
−HK$4,290/mo
▼ 0.25% · 3.875%
HK$81,524
−HK$2,160/mo
Today · 4.125%
HK$83,684
baseline
▲ 0.50% · 4.625%
HK$88,095
+HK$4,411/mo
Deposit HK$10.43M · loan HK$15.65M · min. income ≈ HK$167,368/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,108,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,261
−HK$5,221/mo
▼ 0.25% · 3.875%
HK$85,851
−HK$2,631/mo
Today · 4.125%
HK$88,482
baseline
▲ 0.50% · 4.625%
HK$93,866
+HK$5,384/mo
Deposit HK$7.82M · loan HK$18.26M · min. income ≈ HK$176,964/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,108,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,627
−HK$5,004/mo
▼ 0.25% · 3.875%
HK$95,111
−HK$2,520/mo
Today · 4.125%
HK$97,631
baseline
▲ 0.50% · 4.625%
HK$102,777
+HK$5,146/mo
Deposit HK$7.82M · loan HK$18.26M · min. income ≈ HK$195,262/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,108,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,049
−HK$6,713/mo
▼ 0.25% · 3.875%
HK$110,379
−HK$3,383/mo
Today · 4.125%
HK$113,762
baseline
▲ 0.50% · 4.625%
HK$120,685
+HK$6,923/mo
Deposit HK$2.61M · loan HK$23.47M · min. income ≈ HK$227,524/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,091
−HK$6,435/mo
▼ 0.25% · 3.875%
HK$122,285
−HK$3,241/mo
Today · 4.125%
HK$125,526
baseline
▲ 0.50% · 4.625%
HK$132,142
+HK$6,616/mo
Deposit HK$2.61M · loan HK$23.47M · min. income ≈ HK$251,052/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,453 · Scale 2, in force from 26 Feb 2026)