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$59,454
−HK$3,728/mo
▼ 0.25% · 3.875%
HK$61,303
−HK$1,879/mo
Today · 4.125%
HK$63,182
baseline
▲ 0.50% · 4.625%
HK$67,027
+HK$3,845/mo
Deposit HK$13.04M · loan HK$13.04M · min. income ≈ HK$126,364/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,108,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,142
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$67,916
−HK$1,799/mo
Today · 4.125%
HK$69,715
baseline
▲ 0.50% · 4.625%
HK$73,390
+HK$3,675/mo
Deposit HK$13.04M · loan HK$13.04M · min. income ≈ HK$139,430/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,108,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,345
−HK$4,474/mo
▼ 0.25% · 3.875%
HK$73,564
−HK$2,255/mo
Today · 4.125%
HK$75,819
baseline
▲ 0.50% · 4.625%
HK$80,432
+HK$4,613/mo
Deposit HK$10.43M · loan HK$15.64M · min. income ≈ HK$151,638/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,108,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,370
−HK$4,288/mo
▼ 0.25% · 3.875%
HK$81,499
−HK$2,159/mo
Today · 4.125%
HK$83,658
baseline
▲ 0.50% · 4.625%
HK$88,068
+HK$4,410/mo
Deposit HK$10.43M · loan HK$15.64M · min. income ≈ HK$167,316/mo (50% DSR)
Upfront cash ≈ HK$11.54M (deposit + AVD stamp duty HK$1,108,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,235
−HK$5,220/mo
▼ 0.25% · 3.875%
HK$85,825
−HK$2,630/mo
Today · 4.125%
HK$88,455
baseline
▲ 0.50% · 4.625%
HK$93,837
+HK$5,382/mo
Deposit HK$7.82M · loan HK$18.25M · min. income ≈ HK$176,910/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,108,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,599
−HK$5,002/mo
▼ 0.25% · 3.875%
HK$95,082
−HK$2,519/mo
Today · 4.125%
HK$97,601
baseline
▲ 0.50% · 4.625%
HK$102,746
+HK$5,145/mo
Deposit HK$7.82M · loan HK$18.25M · min. income ≈ HK$195,202/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$1,108,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,017
−HK$6,711/mo
▼ 0.25% · 3.875%
HK$110,346
−HK$3,382/mo
Today · 4.125%
HK$113,728
baseline
▲ 0.50% · 4.625%
HK$120,648
+HK$6,920/mo
Deposit HK$2.61M · loan HK$23.47M · min. income ≈ HK$227,456/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,055
−HK$6,432/mo
▼ 0.25% · 3.875%
HK$122,248
−HK$3,239/mo
Today · 4.125%
HK$125,487
baseline
▲ 0.50% · 4.625%
HK$132,102
+HK$6,615/mo
Deposit HK$2.61M · loan HK$23.47M · min. income ≈ HK$250,974/mo (50% DSR)
Upfront cash ≈ HK$3.72M (deposit + AVD stamp duty HK$1,108,117 · Scale 2, in force from 26 Feb 2026)