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$59,465
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$61,314
−HK$1,880/mo
Today · 4.125%
HK$63,194
baseline
▲ 0.50% · 4.625%
HK$67,039
+HK$3,845/mo
Deposit HK$13.04M · loan HK$13.04M · min. income ≈ HK$126,388/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,108,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,154
−HK$3,574/mo
▼ 0.25% · 3.875%
HK$67,928
−HK$1,800/mo
Today · 4.125%
HK$69,728
baseline
▲ 0.50% · 4.625%
HK$73,403
+HK$3,675/mo
Deposit HK$13.04M · loan HK$13.04M · min. income ≈ HK$139,456/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,108,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,358
−HK$4,474/mo
▼ 0.25% · 3.875%
HK$73,577
−HK$2,255/mo
Today · 4.125%
HK$75,832
baseline
▲ 0.50% · 4.625%
HK$80,447
+HK$4,615/mo
Deposit HK$10.43M · loan HK$15.65M · min. income ≈ HK$151,664/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,108,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,385
−HK$4,289/mo
▼ 0.25% · 3.875%
HK$81,514
−HK$2,160/mo
Today · 4.125%
HK$83,674
baseline
▲ 0.50% · 4.625%
HK$88,084
+HK$4,410/mo
Deposit HK$10.43M · loan HK$15.65M · min. income ≈ HK$167,348/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,108,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,251
−HK$5,220/mo
▼ 0.25% · 3.875%
HK$85,840
−HK$2,631/mo
Today · 4.125%
HK$88,471
baseline
▲ 0.50% · 4.625%
HK$93,854
+HK$5,383/mo
Deposit HK$7.82M · loan HK$18.25M · min. income ≈ HK$176,942/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,108,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,615
−HK$5,004/mo
▼ 0.25% · 3.875%
HK$95,099
−HK$2,520/mo
Today · 4.125%
HK$97,619
baseline
▲ 0.50% · 4.625%
HK$102,765
+HK$5,146/mo
Deposit HK$7.82M · loan HK$18.25M · min. income ≈ HK$195,238/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,108,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,036
−HK$6,713/mo
▼ 0.25% · 3.875%
HK$110,366
−HK$3,383/mo
Today · 4.125%
HK$113,749
baseline
▲ 0.50% · 4.625%
HK$120,670
+HK$6,921/mo
Deposit HK$2.61M · loan HK$23.47M · min. income ≈ HK$227,498/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,077
−HK$6,433/mo
▼ 0.25% · 3.875%
HK$122,271
−HK$3,239/mo
Today · 4.125%
HK$125,510
baseline
▲ 0.50% · 4.625%
HK$132,126
+HK$6,616/mo
Deposit HK$2.61M · loan HK$23.47M · min. income ≈ HK$251,020/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,319 · Scale 2, in force from 26 Feb 2026)