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$59,415
−HK$3,725/mo
▼ 0.25% · 3.875%
HK$61,263
−HK$1,877/mo
Today · 4.125%
HK$63,140
baseline
▲ 0.50% · 4.625%
HK$66,982
+HK$3,842/mo
Deposit HK$13.03M · loan HK$13.03M · min. income ≈ HK$126,280/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,107,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,098
−HK$3,571/mo
▼ 0.25% · 3.875%
HK$67,871
−HK$1,798/mo
Today · 4.125%
HK$69,669
baseline
▲ 0.50% · 4.625%
HK$73,342
+HK$3,673/mo
Deposit HK$13.03M · loan HK$13.03M · min. income ≈ HK$139,338/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,107,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,298
−HK$4,471/mo
▼ 0.25% · 3.875%
HK$73,515
−HK$2,254/mo
Today · 4.125%
HK$75,769
baseline
▲ 0.50% · 4.625%
HK$80,379
+HK$4,610/mo
Deposit HK$10.42M · loan HK$15.63M · min. income ≈ HK$151,538/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,318
−HK$4,285/mo
▼ 0.25% · 3.875%
HK$81,445
−HK$2,158/mo
Today · 4.125%
HK$83,603
baseline
▲ 0.50% · 4.625%
HK$88,010
+HK$4,407/mo
Deposit HK$10.42M · loan HK$15.63M · min. income ≈ HK$167,206/mo (50% DSR)
Upfront cash ≈ HK$11.53M (deposit + AVD stamp duty HK$1,107,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,181
−HK$5,216/mo
▼ 0.25% · 3.875%
HK$85,768
−HK$2,629/mo
Today · 4.125%
HK$88,397
baseline
▲ 0.50% · 4.625%
HK$93,775
+HK$5,378/mo
Deposit HK$7.82M · loan HK$18.24M · min. income ≈ HK$176,794/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,107,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,537
−HK$5,000/mo
▼ 0.25% · 3.875%
HK$95,019
−HK$2,518/mo
Today · 4.125%
HK$97,537
baseline
▲ 0.50% · 4.625%
HK$102,678
+HK$5,141/mo
Deposit HK$7.82M · loan HK$18.24M · min. income ≈ HK$195,074/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$1,107,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,946
−HK$6,707/mo
▼ 0.25% · 3.875%
HK$110,273
−HK$3,380/mo
Today · 4.125%
HK$113,653
baseline
▲ 0.50% · 4.625%
HK$120,568
+HK$6,915/mo
Deposit HK$2.61M · loan HK$23.45M · min. income ≈ HK$227,306/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,977
−HK$6,428/mo
▼ 0.25% · 3.875%
HK$122,168
−HK$3,237/mo
Today · 4.125%
HK$125,405
baseline
▲ 0.50% · 4.625%
HK$132,015
+HK$6,610/mo
Deposit HK$2.61M · loan HK$23.45M · min. income ≈ HK$250,810/mo (50% DSR)
Upfront cash ≈ HK$3.71M (deposit + AVD stamp duty HK$1,107,386 · Scale 2, in force from 26 Feb 2026)