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$59,338
−HK$3,721/mo
▼ 0.25% · 3.875%
HK$61,184
−HK$1,875/mo
Today · 4.125%
HK$63,059
baseline
▲ 0.50% · 4.625%
HK$66,896
+HK$3,837/mo
Deposit HK$13.01M · loan HK$13.01M · min. income ≈ HK$126,118/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,105,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,013
−HK$3,567/mo
▼ 0.25% · 3.875%
HK$67,784
−HK$1,796/mo
Today · 4.125%
HK$69,580
baseline
▲ 0.50% · 4.625%
HK$73,247
+HK$3,667/mo
Deposit HK$13.01M · loan HK$13.01M · min. income ≈ HK$139,160/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,105,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,206
−HK$4,465/mo
▼ 0.25% · 3.875%
HK$73,421
−HK$2,250/mo
Today · 4.125%
HK$75,671
baseline
▲ 0.50% · 4.625%
HK$80,276
+HK$4,605/mo
Deposit HK$10.41M · loan HK$15.61M · min. income ≈ HK$151,342/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,105,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,216
−HK$4,280/mo
▼ 0.25% · 3.875%
HK$81,340
−HK$2,156/mo
Today · 4.125%
HK$83,496
baseline
▲ 0.50% · 4.625%
HK$87,897
+HK$4,401/mo
Deposit HK$10.41M · loan HK$15.61M · min. income ≈ HK$166,992/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,105,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,074
−HK$5,209/mo
▼ 0.25% · 3.875%
HK$85,658
−HK$2,625/mo
Today · 4.125%
HK$88,283
baseline
▲ 0.50% · 4.625%
HK$93,655
+HK$5,372/mo
Deposit HK$7.81M · loan HK$18.22M · min. income ≈ HK$176,566/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,105,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,419
−HK$4,993/mo
▼ 0.25% · 3.875%
HK$94,897
−HK$2,515/mo
Today · 4.125%
HK$97,412
baseline
▲ 0.50% · 4.625%
HK$102,546
+HK$5,134/mo
Deposit HK$7.81M · loan HK$18.22M · min. income ≈ HK$194,824/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$1,105,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,809
−HK$6,698/mo
▼ 0.25% · 3.875%
HK$110,131
−HK$3,376/mo
Today · 4.125%
HK$113,507
baseline
▲ 0.50% · 4.625%
HK$120,413
+HK$6,906/mo
Deposit HK$2.60M · loan HK$23.42M · min. income ≈ HK$227,014/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,105,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,824
−HK$6,419/mo
▼ 0.25% · 3.875%
HK$122,011
−HK$3,232/mo
Today · 4.125%
HK$125,243
baseline
▲ 0.50% · 4.625%
HK$131,845
+HK$6,602/mo
Deposit HK$2.60M · loan HK$23.42M · min. income ≈ HK$250,486/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,105,962 · Scale 2, in force from 26 Feb 2026)